I did not receive 2020 tax refund in 21 days despite E-filing, but about 50 days later i received information request from Fresno ( California ) IRS regarding unmatched amounts on 8962 - c section ( MAP of PTC ) of my 2020 tax return with c section of 1095-A received by IRS .
In California and in Jan, Feb, March 2021 the pandemic pick was the worst with public services like USPS, EDD, IRS, KAISER, CoveredCA,.... even Turbotax were either not working properly or working with disorganization because of pandemic panic as a possible cause that I did not receive my copy of 2020 1095-A, but i luckily received my 2020 California 3895 with 0 amounts on c section ( MAP of premium assistance subsidy ) which i used to file my 2020 tax return given its exactitude and my 2020 health insurance plan as follows:
I am 69 years old with some underlying health conditions and shockingly i have not had healthcare coverage since 2014 { when i moved from France ( with easy and free healthcare ) to US and started working } because of either low income or an employer like Uber . And more shockingly i had to pay around $700 penalties each year for not affording to have healthcare insurance at my age .
Tired of penalties and just to avoid them, in Feb 2020 i signed up through CoveredCA and Kaiser for a plan with $1 monthly premium and zero coverage and 100% out of pocket payment hoping that with God blessing i would not fall seriously ill . In March 2020 the pandemic hit, life stopped and shelter in place ordered and since i am still sheltered in my room living on UI benefits given my age and the virus still around and with no serious health problem and even without having to call a doctor for whatsoever and happy that the 2021 government stimulus and rescue plan provides an opportunity for me to get reimbursed for all the penalties i had to pay for not affording to have health insurance . Thanks God.
Now with all that said and never used my premium tax credit in 2020, i am very curious of how 1095-A can show amounts as APTC used in 2020 while my California 3895 show zero subsidy used. Given general pandemic panic causing mess and dysfunction in so many places and services nation wide and in some cases fraud, i am wondering if it is kaiser or/and CoveredCA the source of just taking my monthly APTC and reporting it on 1095-A received by IRS ?
It looks like many taxpayers in California have similar problems of unmatched amounts on 1095-A vs California 3895 causing refund delays unfairly to needy tax payers because of other wrong sources of information and wondering if Turbotax has learned any clear answer to this general tax payers' stressful situation in California. Thanks and God bless you>
