I am married, filing separately. But my 1095-A is in my husbands name as recipient but I am the covered individual

Forum|Forum|7 years ago
June 5, 2019
15 replies
247 views

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TurboTax Deluxe Online

MelaineC

Level 7

You will need to get a copy of your husbands' 1095-A and enter it on your tax return. On the screen after entering the 1095-A, you will check the box indicating that the policy was shared by somebody that is not on your tax return. It will then prompt you with further questions to determine how much of it is "allocated" to you (even if it is 0%). Your husband would follow this same procedure.

If there was Advance credit received (column C of the 1095-A), your husband has the option to claim 100% of the 1095-A on their tax return, or to "allocate" part (or all) of it to you. If you both agree, the allocation can be anywhere from 0% to 100%. If you can not agree and Advance credit was received (column C on the 1095-A), then it is divided by the number of people on the insurance policy. For example, if the insurance policy covers 4 people, each person is allocated 25%. If he paid the entire amount then he would claim 100%, if you paid half and he paid the other half, then each of you would put 50%.

If you do not have a copy, you can ask your husband, you both can get one from HealthCare.gov or you can call them at the number on their site;

How to find your 1095-A online

Log in to your HealthCare.gov account.
Click the green "Start a new application or update an existing one" button.
Choose "Go to my applications & coverage" at the bottom of the screen.
Under "Your existing applications," select your 2016 application — not your 2017 application.

Notorious Reflex

Level 2

Please check https://www.irs.gov/affordable-care-act/individuals-and-families/the-premium-tax-credit-the-basics

Filing MFS will disqualify any Premium Credit unless it fits the IRS definition of victim of domestic abuse or spousal abandonment

dreid3003

Level 2

Turbo Tax premium 2021 did not disqualify credits or warn me of an error when creating 2 MFS returns for us in an attempt to reduce to excess credits paid. In the returns I indicated that we live together and responded in the negative that the two conditions (spousal abuse or abandament). Regardless am I understanding correctly that I cannot file MFS to reduce the liability I face due to excess credits paid?

beshelton7

Level 2

I'm preparing a return:

He is covered by his parent's health care, with $75k w2.

She has a 1095-A with $20 w2.

They were married in 2024.

I'm filing them MFS to have a lesser tax hit.

Agree?

DaveF1006

Alumni - Intuit

No, I don't agree without looking the actual tax return. My suggestion is to prepare a MFJ and then prepare two MFS returns to see which is more advantageous.

@beshelton7

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