Filing 1095-A as a covered individual, not claimed as a dependent

Forum|Forum|1 year ago
March 8, 2025
8 replies
16 views

In 2024, I enrolled in the state's marketplace from April to December under my dad's account, but I paid for the premiums. He and I both received a 1095-A form.

His = he is a recipient, I am the covered individual.

Mine = I am a recipient, I am the covered individual.

Who files the 1095-A form and pays back the tax credit?

BrittanyS

Level 12

Can you also clarify if your dad is covered on the 1095-A, or are you the only one?

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tujennAuthor

Level 2

I’m the only one who was covered.

Vanessa A

Level 15

Are both forms reporting the same in Columns A, B and C or are they somehow split?

If they are basically duplicating and double reporting, you will need to call the Marketplace and get this corrected.

You will both need to enter the form on your returns since he is the recipient and you are a covered individual that is not a dependent on his return. In general, with one form, you would both enter the same form on your return and then say that you shared the policy with another taxpayer, then allocate the premiums to one or the other or split the premiums.

Since you are the only one covered and if you were the one paying the premiums, you can allocate 100% to yourself and 0% to your dad. However, if both forms are reporting the same amounts, you will not want to enter both forms as your overall numbers would be double what they should be.

For 2025, if you have not already done so, if you are no longer a dependent, you will need to contact the marketplace and create your own account and get a policy on your own.

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