topic My federal taxes keep getting rejected because it says I need and ACA explanation. I do not have a marketplace health insurance plan. I never had one, how do I fix this? in Get your taxes done using TurboTax

My federal taxes keep getting rejected because it says I need and ACA explanation. I do not have a marketplace health insurance plan. I never had one, how do I fix this?

blyearwood — Mon, 09 Mar 2026 06:26:01 GMT

I have insurance through the VA and my husband’s health insurance plan through his work. I have “fixed” and submitted my taxes 8 times but it keeps getting rejected. I spoke with a specialist, they told me to try and get the 1095-A from healthcare.gov, so I did, but I don’t have one because I don’t have healthcare through them. I think it is a glitch in TurboTax, because I should be able to say I don’t have a 1095-A and be done, but it keeps coming up with the same issue.

Re: My federal taxes keep getting rejected because it says I need and ACA explanation. I do not h...

DaveF1006 — Thu, 17 Feb 2022 20:32:33 GMT

There was an update with available information on this recently. The IRS is rejecting returns with this code because they believe you or someone on your return had insurance through the marketplace. Since you did have insurance through the marketplace in 2019, you may still just be on their list.

You can try to enter $1 for the 1095. This will not affect anything on your return, but having the form there may get the IRS to accept your return. To do this take the following steps:

Click Deductions and Credits
Scroll down to Medical and Click Show More
Click Start or Revisit next to the ACA
As you walk through the questions, you will be asked if you received a 1095-A. If you did NOT, click YES.
Enter 0's for the Marketplace identifier and Policy number.
Enter $1 for January monthly premium amount and SLCSP
Walk through to the end and submit your return.

Let me know if this works.

Re: My federal taxes keep getting rejected because it says I need and ACA explanation. I do not h...

blyearwood — Sat, 05 Feb 2022 13:56:31 GMT

YOU ARE THE BEST, YES THAT WORKED!!!

Re: My federal taxes keep getting rejected because it says I need and ACA explanation. I do not h...

brookesilver90 — Thu, 17 Feb 2022 18:23:26 GMT

@DaveF1006 Your suggestion worked for me! Thank you so much!

Re: My federal taxes keep getting rejected because it says I need and ACA explanation. I do not have a marketplace health insurance plan. I never had one, how do I fix this?

StintheKid — Thu, 24 Feb 2022 07:58:41 GMT

DAVE IS THE MAN! Thank you so much!

Re: My federal taxes keep getting rejected because it says I need and ACA explanation. I do not have a marketplace health insurance plan. I never had one, how do I fix this?

Sebsd — Tue, 08 Mar 2022 20:07:22 GMT

Genius, it solved the issue. You are the man!

Re: My federal taxes keep getting rejected because it says I need and ACA explanation. I do not have a marketplace health insurance plan. I never had one, how do I fix this?

David229 — Sat, 12 Mar 2022 00:38:30 GMT

taxes prepared but rejected by something i have never had. Need way to fix this

Re: My federal taxes keep getting rejected because it says I need and ACA explanation. I do not h...

David229 — Sat, 12 Mar 2022 00:41:28 GMT

Thanks so much it helped me so much

Re: My federal taxes keep getting rejected because it says I need and ACA explanation. I do not h...

Sam1994 — Wed, 16 Mar 2022 16:14:54 GMT

How do I do this through the IRS free fillable forms? I got the same rejection and I'm seeing an option to "add ACA Explanation". When I click on it, it just gives a text box where I can type up to 4000 characters. Should I just write out that I'm not on market place insurance and resubmit?

Re: My federal taxes keep getting rejected because it says I need and ACA explanation. I do not h...

Cynthiad66 — Wed, 16 Mar 2022 18:07:10 GMT

You can try entering the explanation to see if that works, but I seriously doubt that it will work. The IRS is looking for form 1095-A. Did you or a dependent ever use the Marketplace? Anyway, @David 229 gave a great work around to try that could get you oast the error to file.

Here is the workaround:

You can try to enter $1 for the 1095. This will not affect anything on your return, but having the form there may get the IRS to accept your return. To do this take the following steps:

Click Deductions and Credits
Scroll down to Medical and Click Show More
Click Start or Revisit next to the ACA
As you walk through the questions, you will be asked if you received a 1095-A. If you did NOT, click YES.
Enter 0's for the Marketplace identifier and Policy number.
Enter $1 for January monthly premium amount and SLCSP
Walk through to the end and submit your return.

@Sam1994

Re: My federal taxes keep getting rejected because it says I need and ACA explanation. I do not have a marketplace health insurance plan. I never had one, how do I fix this?

Dimanow — Thu, 17 Mar 2022 15:45:06 GMT

What do I do to fix this. My refile is rejected. Can someone call me please to fix this. Thank you

Re: My federal taxes keep getting rejected because it says I need and ACA explanation. I do not h...

DaveF1006 — Thu, 17 Mar 2022 20:07:14 GMT

If you continually have rejection issues, do the following as this cleared many of the rejection problems that have occurred. This will not affect anything on your return, but having the form there may allow the IRS to accept your return. To do this take the following steps:

Click Deductions and Credits
Scroll down to Medical and Click Show More
Click Start or Revisit next to the ACA
As you walk through the questions, you will be asked if you received a 1095-A. If you did NOT, click YES.
Enter 0's for the Marketplace identifier and Policy number.
Enter $1 for January monthly premium amount and SLCSP
Walk through to the end and submit your return.

Let me know if this works.

@Dimanow

Re: My federal taxes keep getting rejected because it says I need and ACA explanation. I do not h...

Lilarivert__ — Thu, 07 Apr 2022 23:42:47 GMT

Omg this worked. I’ve been trying for over a week. Thank you!!!!

Re: My federal taxes keep getting rejected because it says I need and ACA explanation. I do not h...

poochiewon01 — Mon, 18 Apr 2022 10:43:49 GMT

This solved my problem, great help

Re: My federal taxes keep getting rejected because it says I need and ACA explanation. I do not h...

Catherinef1 — Wed, 20 Apr 2022 00:01:10 GMT

What should I put in for "C. Monthly Advance Payment of Premium Tax Credit"? It will not let me proceed without inputting this information. Thanks!!

Re: My federal taxes keep getting rejected because it says I need and ACA explanation. I do not have a marketplace health insurance plan. I never had one, how do I fix this?

Rejected_3 — Tue, 10 May 2022 01:19:08 GMT

I HAVE NEVER had ACA nor have any of my kids. My return was rejected twice. I spoke to a TurboTax agent and she walked me through these same steps and it still rejected a third time. I feel like TurboTax has a glitch in their system and needs to fix it. I’m royally pissed off and tired of trying. She told me just to file by paper then. I told her I want my filing fee back because this is BS.

Re: My federal taxes keep getting rejected because it says I need and ACA explanation. I do not h...

Ashep — Sun, 14 Apr 2024 22:56:04 GMT

Do I put $1 for just January or all of the months listed?

Re: My federal taxes keep getting rejected because it says I need and ACA explanation. I do not h...

DawnC — Sun, 14 Apr 2024 23:00:44 GMT

Your return may have been rejected if the IRS has information that someone in your household should have a 1095-A. @Ashep

If you don't have a Form 1095-A and know you won't be receiving one, you can certify this in TurboTax in order to refile your return:

Note: If your TurboTax navigation looks different from what’s described here, learn more.

Select Federal from the left menu, then Deductions & Credits.
Navigate to Medical and select Show More.
Select Start or Revisit next to Affordable Care Act (Form 1095-A).
You'll be asked if you received a 1095-A. Select No.
Select the statement indicating you did not receive a 1095-A. By selecting this certification, you will be able to e-file your return and meet the requirements under rejected code F8962-070.
Select File from the left menu and continue through the process to resubmit your return.

If you're not sure if someone in your household purchased insurance through HealthCare.gov or your state's Marketplace, check those websites for an account.

Re: My federal taxes keep getting rejected because it says I need and ACA explanation. I do not have a marketplace health insurance plan. I never had one, how do I fix this?

momobaby1234 — Wed, 29 Jan 2025 01:57:42 GMT

This is unreal. At first I didn't think the fix would work, especially since this was 2-3 years ago when this person made the post. I can't believe TurboTax could be so expensive and have such a stupid issue. My brother has a job with insurance and my father has Medicare through the government. So I don't know why the 1095-A was required and kept coming back rejected. But the trick worked to add 1's in all the boxes and 0 in the identifier box.

TurboTax, get your crap together. This is stupid. Maybe this is your way to make more money out of people who use the "agent help". I refuse to keep paying for services I NEVER use.

Re: My federal taxes keep getting rejected because it says I need and ACA explanation. I do not have a marketplace health insurance plan. I never had one, how do I fix this?

isatuyck — Mon, 24 Feb 2025 00:32:21 GMT

I just did this and it worked for me too! thank you so much! turbotax has to fix this issue.