1095-A

[PipiR]

I am doing my daughter's taxes.   In 2025, the amount my daughter paid out of pocket from January to March was different than what she paid the rest of the year.  Covered California should have adjusted the advanced premium tax credits accordingly, for those months, but did not.  Instead, the 1095-A form shows the same premium credits from January to December, which is not an accurate representation.   The issue is that these amounts on the 1095-A do not accurately account for the adjustments in how much she pays out of pocket. Should I change the amounts to the correct amounts to reflect her out of pocket expenses?

[rjs · Accepted solution]

You cannot change the amounts on the 1095-A. You have to enter it as-is. Form 1095-A does not show the amount that the person paid out of pocket, so there is nothing to adjust for a difference in out-of-pocket payments. If Covered California did not adjust the advance premium tax credit, then showing the same amount of advance PTC for all 12 months is accurate. If they should have adjusted it, but didn't do so, you have to report the unadjusted amount.