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@LeewQ wrote:

It is confusing that the 1095-A form is addressed but no mention of the 1095-B form which the VA issues to me.  And that saying no to the 1095-A penalizes me.  That's not fair!


There is no penalty for not having or filing a Form 1095-A if you are not required to file a Form 1095-A.  

The Form 1095-B is not entered on a tax return.