I got a 12C letter from the IRS (Form 8962)
A 12C letter means the IRS needs more information to process your return. Usually, you need to provide Form 8962 - Premium Tax Credit. This form is required when someone on your tax return had health insurance in 2025 through healthcare.gov (or a state marketplace) and took the Advance Premium Tax Credit to lower their monthly premium. We'll help you create (or correct) the form in TurboTax.
You should have received a paper form in the mail from your marketplace. If you didn't receive a Form 1095-A, sign in to your healthcare.gov account to download a copy. Once you've got it, follow the instructions below for your edition of TurboTax.
When you're done in TurboTax, print out Form 8962 and mail or fax it to the IRS, along with any other items requested in your 12C letter.
If there's a change to your refund amount or the amount you owe, print and send page 2 of your 1040.
Remember:
Respond promptly.
If you disagree with the IRS, respond with an explanation—and with the item(s) they asked for.
You don't need to complete or send a Form 1040X (amended tax return) to the IRS.
Send page 2 of your 1040 only if the refund or owed amount has changed.
TurboTax Online
First, make sure you have a clean copy of your original tax return for your records. If you haven't already saved one, go to Tax Home to print or save a PDF copy.
Prepare forms
Using the same user ID you used when you filed your 2025 return, go to the Do you have Form 1095-A info ready? screen under Deductions & Credits.
Select Yes, I have my 1095-A info ready, then select Continue.
On the Let's get the info from your 1095-A form screen, complete the form and continue, answering the questions about your health insurance.
Select Tax Tools (found in the left menu), and then select Print Center.
Print and send
Choose Print, save, or preview this year’s return. You may need to enter info about your driver's license or other state ID.
In the TurboTax Print Center, check the 2025 Federal returns box and select the Just my tax returns(s) option. Select View or print forms.
We'll generate a PDF copy of your tax return. Save or print a copy for your records and label it so you know it's the latest version of your taxes. Print a copy of Form 8962 for the IRS. If your refund or balance due has changed, print Form 1040 too.
You can check if your refund changed by comparing line 35a on your original 1040 and the one you just printed. If you had a balance due, check line 37.
Send the following to the IRS address or fax number found in your IRS letter:
Form 8962, Premium Tax Credit
Copy of your Form 1095-A, Health Insurance Marketplace Statement
A copy of the IRS letter that you received
Only if the refund or owed amount has changed: also include page 2 of your 1040
TurboTax Desktop for Windows
First, make sure you have a clean copy of your original tax return for your records. If you haven't already saved one, go to Print Center to print or save a PDF copy. You may want to create a separate copy of your .tax2025 file by going to File and selecting Save As.
Open your return.
Go to Federal Taxes.
Go to Deductions & Credits.
If asked How do you want to enter…?, select I’ll choose what I work on.
Under Medical, select Start or Update next to Affordable Care Act (Form 1095-A).
Answer the questions about your health coverage.
When you return to the Your 2025 Deductions & Credits screen, select File and choose Print.
Select Specific Forms.
Check the box for Form 8962 Premium Tax Credit and print it.
If your refund or balance due has changed, print Form 1040: Individual Tax Return too.
You can check if your refund changed by comparing line 35a on your original 1040 and the one you just printed. If you had a balance due, check line 37.
Send the following to the IRS address or fax number given in your IRS letter:
Form 8962, Premium Tax Credit
Copy of your Form 1095-A, Health Insurance Marketplace Statement
A copy of the IRS letter that you received
Only if the refund or owed amount has changed: also include page 2 of your 1040
TurboTax Desktop for Mac
First, make sure you have a clean copy of your original tax return for your records.
Select File in the top left of your screen.
Choose Duplicate and enter a new name for your return.
Go to Federal Taxes.
Go to Deductions & Credits.
If asked How do you want to enter…?, select I’ll choose what I work on.
Under Medical, select Start or Update next to Affordable Care Act (Form 1095-A).
Follow the screens and enter your information.
When you're done and return to the Deductions & Credits screen, select File (top left of screen) and choose Print.
On the print pop-up screen, select your Federal Tax Return and All forms & worksheets, then select Continue.
Open the downloaded PDF and navigate to your Form 8962 to print it. Send the following to the IRS address or fax number given in your IRS letter:
Form 8962, Premium Tax Credit
Copy of your Form 1095-A, Health Insurance Marketplace Statement
A copy of the IRS letter that you received
Only if the refund or owed amount has changed: also include page 2 of your 1040
