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First, TurboTax 2025 Premier failed to import my stock info which is why I buy Premier, I had to enter it manually. Second, after filing my federal and state taxes, I reviewed the PDF to find out that TurboTax added $$ to my federal taxes because it set my HSA distribution as taxable although I selected "1. Normal distribution". I called TurboTax Support, waited very long until an agent answered and then as I explained the problem and the agent found out that "Amend a Filed Return" will not fix the problem because the software still think that "1. Normal distribution" is taxable, she hung up on me. Very disappointed, all the TurboTax guaranteed claims are not true.

We are a family of 4 with 2 kids - one aged 21 in college with no income (so a dependent) and another elder son aged 22 in 2025 who at the start of the tax year was unemployed. We enrolled the family as a family of 4 for the initial part of the year.  Happily older son got a job that offered insurance in August so we dropped him from our marketplace plan and the monthly premium decreased and the advanced tax credit decreased as would be expected. I received a 1095-A, my son did not (although he received a 1095C for the months he was on his company insurance)   So now trying to file taxes. Elder son ended up making $40k so will be filing his own tax return and will not be our tax dependent (I assume that's correct?). So my understanding is we need to allocate the information on the 1095-A between us and my son on form 8962. Wanted to confirm my understanding on how to do that:   1) Enter the 1095-A information into Turbotax (I'm using Online premium) exactly as on the 1095-A I received. Do this on both our and my sons tax return?   2) On our return state the policy was shared and put in my sons SS#  and the dates we shared it (Jan - Aug). Pick a sharing percentage (the same for all three amounts) , lets say as an example 75%. When asked 'Do you have at least one dependent on your taxes who is filing a separate return?" answer Yes,  and when asked 'What is your child's modified adjusted gross income?' input his income (~$40k). Based on this Turbotax does the math and calculates the excess/under credit    3) Do exactly the same on my sons tax return except using 25%?   and he answer no when asked 'Do you have at least one dependent on your taxes who is filing a separate return" ?   4) Regarding the sharing percentages. I can't find any hard and fast rules on how to calculate this. SOme suggest any combination is OK as long as they total to 100% Seems like 75/25 would be logical in this situation but is that right/OK? Assuming what I've discussed above is correct, I played around with some what-if scenarios with different percentages and for example with a us/son split of 0/100  out total combined refund between  is a crazy high number which seems implausible. 50/50 or 75/25 (which seem more reasonable) seem to yield the best overall numbers which seem plausible.  So is there guidance on what % are reasonable and acceptable.   Sorry for the long post!  Done a lot of research and trying to nail this down and keep 2nd guessing myself on whether I'm doing this right 🙂