topic My dependent received a form 1095-A. How to report it in two tax returns? How to enter $0 in one of the returns of Turbotax? in Get your taxes done using TurboTax

My dependent received a form 1095-A. How to report it in two tax returns? How to enter $0 in one of the returns of Turbotax?

palfonso2 — Wed, 11 Feb 2026 03:52:01 GMT

My dependent received a form 1095-A.

He applied to a Marketplace Health Insurance back in August 2023.

Who has to report it? Only the dependent? Only me? Or Both?

Based on another question posted in this forum, I see the following:

https://ttlc.intuit.com/community/taxes/discussion/1095-a-and-dependent-child-filing-his-own-tax-return/00/954259

"The 1095-A is reported on BOTH the parents & the child's return AND the advance credit can be prorated anyway you wish as long as the total between the 2 returns is 100% .... SO both returns need to be completed using a combination on each return that totals 100% ... for instance 0% on the parents + 100% on the child OR 50% on each OR 25% + 75% OR any other combination that works best for BOTH returns combined."

Based on this information, my dependent should report the total of 100% (as he is entitled to the Premium Tax Credit). However, when I try to enter $0 in my application, Turbotax is asking me to enter a value greater than 0.

What should I do?

Re: My dependent received a form 1095-A. How to report it in two tax returns? How to enter $0 in ...

DawnC — Mon, 12 Feb 2024 01:56:30 GMT

If he is listed as a dependent on your (the parents) tax return, he won't have any health insurance questions to answer on his own return. TurboTax will tell him, since someone is claiming you on their 2023 taxes, you don't have to complete Health Insurance.

I'm on my parents' 1095-A, what goes on my tax return? There are several scenarios listed here. Since you are claiming him, it goes all on your return.

You are not eligible for the Premium Tax Credit if another individual can claim you as a dependent

Re: My dependent received a form 1095-A. How to report it in two tax returns? How to enter $0 in ...

palfonso2 — Tue, 13 Feb 2024 17:16:28 GMT

Re: My dependent received a form 1095-A. How to report it in two tax returns? How to enter $0 in ...

palfonso2 — Tue, 13 Feb 2024 17:24:55 GMT

Based on your explanation, can you please review the following scenario?

I'm Elon Musk and I had an income of $1,000,000,000,000 last year.

I don't believe in health insurance and we didn't have any coverage.

My son lived with me until August and I believe that I covered most of his expenses until he decided to start a new live. He thinks that he covered most of his expenses though. So, turns out this decision is still on the table.

He became financially independent working as an employee in McDonalds. He had an income of $10000.
He enrolled in a Marketplace Health Insurance getting a significant tax credit (i.e. "discount" of $1800) to help cover the premiums.
He received the Form 1095-A.

Clearly, if I fill the return making him my dependent, I have to pay back those $1800 (because I'm not entitled to the Premium Tax Credit). On the other hand, if my dependent fills the return as "non-dependent" he would receive the credit but I will lose my dependent credit ($500).

What would you do to maximize the benefits and credit for everybody?

Re: My dependent received a form 1095-A. How to report it in two tax returns? How to enter $0 in ...

Vanessa A — Tue, 13 Feb 2024 17:29:47 GMT

"He became financially independent working as an employee in McDonalds. He had an income of $10000."

Your income would not be relevant to him or his Premium Tax Credit once he was independent. Your son as a NON dependent would still not qualify for the premium tax credit, because he would likely qualify for Medicaid or state free medical insurance. He would not have to pay it back, however, he would not be eligible for extra on his return.

If he earned more and did not qualify for Medicaid, then he would get the Premium Tax Credit without regards to your income.

If he is not a student, he is 19 or older, and earned $10,000, then yes, you would not get any type of credit for him as you would not be able to claim him as a dependent.

To claim someone as a Qualifying Relative, they must be:

Your child ( including step children, adoptive children and foster children) or a descendent of them
Your sibling (including half siblings) or a child of your sibling or a sibling-in-law
Your parent or grandparents, including step parents and in laws
Any other person that lived with you for the entire tax year
Not a qualifying child of another taxpayer
Someone that you provided over half of their support for during the tax year
Has less than $4,700 in income (not counting social security)

The following criteria must be met to claim someone as a qualifying child:

Your child (including adopted and foster children), your sibling, or a descendent of any of them.
Age 18 or younger at the end of the tax year OR under 24 (and younger than you and your spouse) if they are a full-time student
Lived with you for more than 6 months during the tax year
They did not provide more than half of their own support
They did not file a joint return, unless it was to claim a refund