Received 1095-A , cannot figure out % from form 8962

mjmommy2001 · ‎April 8, 2026

Hi, my huband and I had to get insurance through Marketplace due to a layoff and we added our adult son who had graduated college and we cannot claim as a dependent. This was for about 10 months of 2025. How do I figure out the % of premium, SLCSP and Advance payment? The last thing I want to do is messed this up and have to repay insurance premiums. And what do I need to do on his tax return?

Thank you so much from this confused mom.

Vanessa A · ‎April 8, 2026

There is not so much a "wrong way" to do it. You can allocate any amount between 0-100 and your son would allocate the remaining amount. Many times parents will allocate the full amount, other times, they will split it based on the number of people on the policy. The primary rule is that the total must add up to 100% and that you all agree. If you don't agree, then it is based on the number of people covered on the policy.

If you want to split it with the number of people on the policy, you would claim 67% and your son would claim 33% for the months that he was covered. As you walk through the entries, it will ask you which months you shared the policy with another tax payer.

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mjmommy2001 · ‎April 11, 2026

Thank you for your response. I have done the splitting up, where it is 67% my husband and I, with my son at 33%. For some reason, it kicks it to 1. We have done 100% us and 0% him. Depending on which way we go, either my son is getting a good fed return and we owe, or he owes and we get a bigger return. Could we do it where he owes and we get the bigger return as overall the money out is less or is that a big no no?