Filing for 2020: Independent federally since I'm too old and now make too much to qualify as a relative, but still dependent on my mother's Covered California insurance since I was 25 for most of the year until September. We had this insurance from Feb 1 to Dec 31.
On the State Taxes portion, I'm split between two options for "Did you have health insurance coverage in 2020?"
1) If I select "all year," enter the Covered California 3895 info, check "shared policy with another tax payer who's not on my taxes"... This message comes up:
"What percentage of the following policy amounts do you want to claim on your tax return?"
Do I enter 0% for all three premiums/advances? Or 50%? I don't care to claim anything, but I don't want to mess my mother up when she files...
2) If I select "I'll pick which months I had it" and check every month besides January, another uncertain question appears:
"Did you have a situation that waives the tax penalty for being uninsured?" (I guess because I wasn't insured in January.)
Do I select none? I'm dependent for insurance, so would any of it even apply to me? I was unemployed then, but I'm not sure if that matters...
When I select none I get "Based on your situation, the penalty has been waived!"
I'm just not sure if this is right for me either...
Also, there's no mention of which insurance I have or 3895s and such.
Should only my mother take the first option to fill out the 3895 portion when she files? Is "I had it all year" a lie, even though the 3895 has you select which dates you had insurance?
The wording on all this is up for interpretation, and I'm at an awkward position as far as dependence this year, so I'd deeply appreciate some guidance!
