1095-A

[slickfix]

I am using downloaded turbotax Home and Business. I am retired in the OPERS system. We are now required to get our own Insurance. I received my 1095-A from my Insurance company (Aultcare).

And the columns B and C all have zeros in them. I believe this is due to receiving an HRA from OPERS

and the VIA benefits system . So I am receiving a monthly reimbursement for my premiums from my retirement funding and not the obamacare plan. So I am not qualified for that reimbursement from the government insurance. I did not receive a1095 Form from PERS.

Problem is the turbotax program will not let me enter zeros in column B. I get an error that says an amount other then zero must be entered.  If I enter an amount,  I know it is wrong, as I am already getting reimbursed through PERS so I don't get a tax break.

The program also says I must  1095-A if I receive one, or the IRS will reject my filing. So I am

stuck as what I am supposed to do. Do I submit the 1095-A with added info not on form or not even include it when filing my taxes?

Please help!

Thanks,

Eric

[AmeliesUncle]

TurboTax does not have a way to do it correctly, so here are probably the most common solutions people use:

1) Mail the return 

2) Enter $1 for column B.  This will give you a tax credit of $1, but may be easier than mailing.  If the IRS ever sends you notice about it, just respond with the facts.

[JulieS · Accepted solution]

Yes, in general you must file and report your 1095-A. 

In your case, you are not required to file your 1095-A because you are not eligible to receive the Premium Tax Credit (PTC) and you did not receive any Advanced Premium Tax Credit (APTC). 

You are required to include Form 1095-A when:

• You are taking the PTC.
• APTC was paid for you or another individual in your tax family.
• APTC was paid for an individual you told the Marketplace would be in your tax family and neither you nor anyone else included that individual in a tax family. 

Even though you have a 1095-A form, you shouldn't enter it because it may give you a credit you are not entitled to. 

[slickfix]

Thanks for everyone's help.

The program notes that if you receive a 1095-A you must file it with your taxes, or the IRS will reject your return.  This is not true as I did not include a 1095-A because I was not eligible to receive the Premium Tax Credit (PTC) and my return was accepted no problem. (You will have zeros in columns B and C if you are not entitled to a tax credit.)

[Treeone]

877.17

[Critter-3]

If you have an amount on the 1095-A in column A then you must go get the amount for column B from the Marketplace if the 1095-A did not have the amount already.  Even if you did not get the advance it is possible to get some of the PTC due to the generous rules this year on the 8962. 

https://www.healthcare.gov/tax-tool/#/