Sharing ACA Health plan shared for part of year how to enter Allocations

Forum|Forum|4 months ago
March 8, 2026
1 reply
145 views

Please clarify for my situation. Our non-dependent son was on our ACA plan 1/1/25 - 6/30/25, he files his own taxes. We received 1 1095-A that shows the three covered individuals, our son 1/1-6/30 and the two of us 1/1-12/31. Our part 3 values changed when our son left the policy. We chose an agreed upon % of 33 and 67%.

I entered our son as January - June for the coverage and input our portion of the shared policy as 67%, I don't see an option to increase our % to 100% for July - December. I checked on forms 1095-A and 8862 and do not see a way to divide the percentages.

Should I manually change the premium information in part 3 of form 1095-A to match the agreed upon percentage of allocation between us? Or am I missing something?

Another question is why does the 'get help with this' on the What's your portion of this shared policy page state that the 'Your SLCSP %' is usually left blank?

JamesG1

Level 15

If you have a child’s Social Security number listed on your IRS form 1095-A, you will be required to report that 1095-A information on your tax return.

The numbers on the shared IRS form 1095-A are shared only for the months of January through June. Those six months you would allocate the numbers reported on the IRS form 1095-A on a 67% / 33% basis. The months of July through December when your son was not covered are reported as listed on the form and do not have to be allocated.

You are correct. You manually change the premium information in part 3 of form 1095-A. You also provide a copy of the form to your son so that he can report the proper information on his tax return.

The question about 'your SLCSP %' includes several examples of shared IRS form 1095-A. Which example includes this information?

In TurboTax Online, follow these steps:

Down the left side of the screen, click Federal.
Down the left side of the screen, click Deductions & Credits.
Scroll down to Medical. Click the down arrow to the right.
Click Start / Revisit to the right of Health Insurance Marketplace (Form 1095-A).
At the screen Policy shared with another taxpayer, click Yes to the question Did you share this policy with another taxpayer who is not included in this tax return.
At the screen Tell us more about your shared policy, include the taxpayer information.

The IRS requires that your percentages are agreed upon by all and that the percentages add up to 100%.

Your Premium Percentage
Your SLCSP Percentage, and
Your Advanced Payment of PTC Percentage.

Taxpayer 1's tax return should reference taxpayer 2. Taxpayer 2's tax return should reference taxpayer 1.

See this TurboTax Help and this TurboTax Help.

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JWK25Author

Level 2

We are using the 2025 Premier Desktop version, it seems like the allocation %'s are working correctly. The form 8962 shows the amount changes when I adjust them in the step-by-step area. The issue I see is if I choose 0% for Jan-June on our % allocation and then look at Form 8962, the from no longer shows our income or other numbers. If I set our %'s to be > 0%, it populates just fine. I don't plan to use 0% but it is an allowable option so it should still populate for the July - December where we are 100% responsible.

Here is the screen shot of the SLCSP%:

MarilynG

Level 15

If your son left the Marketplace policy in July, and you paid the premiums from January to July, enter the 1095-A as it is reported. You can indicate that it was a 'shared' policy and give his SSN, but choose 100% as your allocation and he can choose 0% as his allocation when he enters the 1095-A on his return.

@JWK25

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