Last year my wife and I (both retired, married filing jointly) purchased healthcare through the marketplace, got a 1095-A, and deducted our premium payments. This year we went direct through the carrier for the same price as the marketplace. The entire amount paid was out of our own pockets. No 1095-A since it was not via the marketplace. It doesn't look like we can deduct our premiums under the circumstances, which seems wrong to me. We are out of pocket regardless of using the marketplace or not. Anyone know how we can claim our premium payments as a deduction??
