I think the problem is that when asked “Let’s check if you need form 2095-A” you answered “yes, I need it “. This window is, I think misleading since it reads “You should have 1095-A if you purchased…through the marketplace “. You would assume that means you need the form since you are covered by the marketplace. But you didn’t purchase the coverage, your parents did. So select No since it was your parent’s insurance.
Your MAGI is basically your income—unemployment payments, wages, interest, self employment income, etc.
