topic I don't have Marketplace Insurance, but the IRS thinks I do! in Get your taxes done using TurboTax

I don't have Marketplace Insurance, but the IRS thinks I do!

Aalla123 — Mon, 09 Mar 2026 09:13:16 GMT

I tried to e-file my return today through TurboTax and the IRS rejected it, saying, "F8962-070 - The e-File database indicates that Form 8962 or a binary attachment with description containing "ACA Explanation" must be present in the return." I cannot fill out a Form 8962, because I (and my dependents) don't have a Form 1095-A, because we don't have insurance through the Marketplace. In fact, we have Form 1095-B (I have private insurance and my dependents have Medicaid). We've NEVER had Marketplace insurance, never had Form 1095-A, and never had to fill out a Form 8962. But now the IRS thinks we do and won't accept my return without the forms. *pulling hair out*

So, I called the Marketplace, and they are going to send me a letter stating my family does not have Marketplace insurance, therefore, we do not have Form 1095-A and therefore cannot fill out Form 8962. I know I can then share that letter with the IRS, but is there a way to override the rejection I am getting when e-filing through TurboTax? Or am I going to have to paper/mail file my return? Do I print out all the forms from TurboTax and mail those to the IRS? And I guess I'll have to request an extension because there's no way all of this will be resolved by April 15.

Re: I don't have Marketplace Insurance, but the IRS thinks I do!

ChondelLO — Thu, 03 Mar 2022 19:04:30 GMT

Yes, you may still be able to e-file your return. Please visit the Help Article below for steps on how to fix this e-file rejection. View the section What if I wasn’t covered at all in 2021 through the Marketplace?.

How do I fix e-file reject F8962-070?

Re: I don't have Marketplace Insurance, but the IRS thinks I do!

Aalla123 — Thu, 03 Mar 2022 22:41:15 GMT

Thank you for the link! I tried the first workaround and created a "dummy" 1095-A and then deleted it from my return. Then I e-filed and it was immediately rejected again! I'm leery of trying the second workaround of entering $1 on the 1095-A and e-filing with an incorrect form in my return. This will result in a CP2000 Notice from the IRS and just further delay my refund.

Re: I don't have Marketplace Insurance, but the IRS thinks I do!

Snoogi84 — Sun, 16 Feb 2025 20:23:06 GMT

Same thing is happening to me this year. I am just curious how did handle this? Did you have to do mail in papers?

Re: I don't have Marketplace Insurance, but the IRS thinks I do!

DianeW777 — Sun, 16 Feb 2025 20:46:23 GMT

You should not have to mail your tax return. Try the following steps to remove the 1095-A from your return.

Open your TurboTax return
Go to DEDUCTION & CREDITS > Scroll to Medical > Select Affordable Care Act > update and select No, I did not receive Form 1095-A
select Continue to follow and further TurboTax instructions
1. You can also Search (upper right) > type 1095a > click the Jump to.. link or Click 'See more' and follow the instructions

A second option is to delete the form - click the link for your TurboTax return.

You'll need to delete this form 1095-A.

If you're using TurboTax Online software and need to delete a form, click here.
If you're using TurboTax Desktop software and need to delete a form, click here.

Once completed finish and file.

Re: I don't have Marketplace Insurance, but the IRS thinks I do!

Snoogi84 — Sun, 16 Feb 2025 23:27:02 GMT

OMG, I am still not understanding what I did wrong initially, but it was finally accepted. Thank you.

Re: I don't have Marketplace Insurance, but the IRS thinks I do!

travisgrif0392 — Mon, 17 Feb 2025 01:55:07 GMT

I did all these things and it still rejected. I have never had marketplace insurance, ever.

Re: I don't have Marketplace Insurance, but the IRS thinks I do!

JohnB5677 — Mon, 17 Feb 2025 13:05:51 GMT

You should first confirm that you are not enrolled in the Marketplace, Then we can clear the 1095-A.

You can use the phone number by state at The Health Insurance Marketplace.
The list is half way down on the page.
Once you've confirmed that there is no 1095-A coming: You can clear a 1095-A in TurboTax,

To clear a 1095-A in TurboTax is a two step process.

Select Tax Tools Note: you may have to minimize Federal and State to see it.
On the drop-down select Tools
There will be 4 green boxes
Select Topics Search
Type 1095-A
The question will come up Did you receive Form 1095-A for your health insurance plan?
Answer Yes
Continue to the form
Delete it using the trash can
Repeat the process
When you get to Did you receive Form 1095-A for your health insurance plan?
Answer No

Questions and answers about (Forms 1095-A, 1095-B and 1095-C)

@Aalla123

@travisgrif0392

@Snoogi84