My fiancee and I have 2 biological children together. We file separately. We got a marketplace insurance policy for our new baby last year (the baby was the only one on the policy), using our combined income. (We aggregated our income when we told the insurance agent our household income since he did not realize we were not married. ) We were not eligible for tax credits.
With stimulus we decided my fiancee would claim the baby for 2020 and she received a stimulus check. When we received the 1095A, we realized I had been listed as Head of Household. But my wife is claiming the baby as her dependent.
(1) Can we simply use the 1095A with my name on it as part of her return?
(2) My fiancee has a much lower income than I do. Will she be eligible for a retroactive tax credit if we paid full price monthly enrollment premiums and no advance tax credits?
(3) Does it matter who paid the premiums? I pay them on behalf of my wife for our baby, so it is a fine line on who is paying them.
(4) If I were to claim the payment of the premiums on my taxes, would that impact the answer to (2) above?
(5) If I were to NOT claim the payment of the premiums on my taxes, would I even have to attach the 1095A to my taxes if my fiancee can use it as part of her taxes per question (1) above?
