1095A and 1095C half and half

[IvanAristondo]

I used the marketplace insurance for half a year while I was in college and received a 1095A pertaining Jan-Jun 2022. That's when I started using the coverage from my employer and then I received a 1095C showing coverage from July-December. Because we can't enter the 1095C anymore it brings down my return significantly but I can't indicate I did have coverage for the full year anywhere. Is it that what's telling me is correct? or is there a place I have to indicate I had coverage for the full year to avoid paying now back to the IRS?

[ErnieS0]

There is no longer any penalty for not having insurance.

Your return is probably going down because you received a health insurance subsidy while you were in college and were covered by a Marketplace plan. When you take out Marketplace coverage, you must estimate your income for the year. Your subsidy amount is based on that estimate.

After you graduated, you probably made a lot more than you listed on your estimate, so you are paying back the subsidy.