So I'm having trouble figuring something out with my 1095-A that I got from healthcare.gov.
Some context: I had health coverage through healthcare.gov for all of 2022, all in all, things were alright. Paid the premium every month with no issues. Then around summertime of 2022, I went online to healthcare.gov to look something up and along the way I realized I qualified for a premium credit of $309. I think at the time when I signed up I opted to not get it as it said it would affect how much I got back on my taxes the following year. But given the situation I was in that summer I could have really used the money. I decided then to accept the credit and it knocked $309 off my monthly bill so that was nice.
Fast forward to now: I got the form in the mail and like all my other forms I go ahead and start filling out on turbotax. and per the instructions on the page it remarks If any months on your form don't have amounts, leave them blank. Simple enough, right? I enter the information leaving the 0.00 boxes blank, but when I click continue it refuses to continue as it requires an actual amount.
| Month | A. monthly enrollment premiums | B. Monthly second cost silver plan (SLCSP) premium | C. Monthly advance payment of premium tax credit |
| January | 346.38 | 0.00 | 0.00 |
| February | 346.38 | 0.00 | 0.00 |
| March | 346.38 | 0.00 | 0.00 |
| April | 346.38 | 0.00 | 0.00 |
| May | 346.38 | 0.00 | 0.00 |
| June | 346.38 | 0.00 | 0.00 |
| July | 346.38 | 0.00 | 0.00 |
| August | 346.38 | 357.83 | 309.00 |
| September | 346.38 | 357.83 | 309.00 |
| October | 346.38 | 357.83 | 309.00 |
| November | 346.38 | 357.83 | 309.00 |
| December | 346.38 | 357.83 | 309.00 |
| Annual Amounts | 4156.56 | 1789.15 | 1545.00 |
I clicked on the link on what to do if column B has 0.00 listed and it expressly says to NOT put a zero:
For each month you had insurance, make sure you do not input $0 in Column B. If your 1095-A reflects $0, reach out to your marketplace provider to find out what the Second Lowest Cost Silver Plan amount was.
So I used the tax tool on the link, and it took me back to healthcare.goc and it had me fill out some info. Afterwards it listed my Monthly SLCSP premiums at $350.42.
I plugged those amounts in to the 0.00 parts on column B and it changed my initial projected refund from $1400ish to a whopping $4000! Obviously, my first thought was "OKAY, that can't be right!" and I promptly deleted them again. What I did do in the end is I left all the original amounts that reflected the 1095-A that was sent to me, only difference was I left the 0.00 blank. Then I typed 8962 into the search box, which gave me the option to go directly to the one on my return. After that, the website calculated my data as it was entered, updating my return to around $1600, which seemed fairly accurate.
So I've been trying to do some homework and I'm seeing people having similar problems. I've also read some comments on different websites where in people had entered in the info from the tax tool and they had gotten audited because the IRS claims the SLCSP don't match. IRS instructions aren't any more helpful. So I could use some input. I have yet to talk with an actual expert about this. As cool as it would be to get $4000 back, I have a feeling that sounds too good to be true. But honestly, I don't care how much I can get back, I just want to file this right.
Any feedback would be helpful
