Two Forms 1095A

[cburkhol]

I have two copies of Form 1095A for 2024. The first is for my wife and me which shows full months from January through September, and a partial month for October. The second is for my wife alone after I went on Medicare. It shows a partial month for October and full months for November through December. Turbotax is adding the October SLCSP from both Forms 1095A and calculating a large PTC Allowed for that month. The IRS instructions for Form 8962 state that the two SLCSP numbers should not be added together. The second form has the premium pro-rated and the Advance PTC prorated, but the SLCSP shows a whole month value and is not prorated. I can prorate the SLCSP and the Form 8962 then looks correct; however, that would make my entry not match the second 1095A. I'm afraid the IRS will reject it if it doesn't match the official form. Any suggestions?

[MonikaK1]

Enter the SLCSP from just one Form 1095-A for the duplicated month, as stated in the Instructions for Form 8962. If you believe one of the forms is incorrect, you could contact the Marketplace, though the instructions state this isn't needed.

The SLCSP premium is not the same as your enrollment premium, unless you enroll in the applicable SLCSP. Form 1095-A, Part III, column B, generally reports the applicable SLCSP premium. If no APTC was paid for your coverage, Form 1095-A, Part III, column B, may be wrong or blank or may report your applicable SLCSP premium as -0-. Also, if you had a change in circumstances during 2024 that you did not report to the Marketplace, the SLCSP premium reported in Part III, column B, may be wrong. In either case, you must determine your correct applicable SLCSP premium. You do not have to request a corrected Form 1095-A from the Marketplace.

If individuals in your coverage family enrolled in more than one policy in the same state, you will receive a Form 1095-A for each policy. The Marketplace should have entered the same SLCSP premium, which applies to all members of your coverage family, on each Form 1095-A. Enter the amount from column B of only one Form 1095-A—do not add the amounts from each form.

[cburkhol]

Thank you for the response. My problem is the Marketplace didn't use the same SLCSP premium for both forms. I changed to Medicare on November 1st and had contacted the Marketplace early about dropping me off our plan at the end of October 31st. They told me to call back on the 31st because the plan would stop at the end of the day I called. I did that, and it turns out it was a mistake. I was dropped from the plan at the end of October 30th. When I called and complained, they said the other agent had given me bad advice and I should have called on November 1st. So, we have a 1095A for both of us from January 1 to October 30 and a 1095A for just her from October 31 to December 31. Below is what the last three months of the 1095A forms looks like. I have entered both forms as received and Turbotax adds 2,133.81 and 1,075.51 for October. I know that is wrong, but I'm not sure how to correct it without making the forms not match what the original 1095A forms show. I'm afraid the IRS will reject my online filing if it doesn't match.

	Both of us
	A	B	C
10	2,154.12	2,133.81	1,649.03
11	0.00	0.00	0.00
12	0.00	0.00	0.00

	Wife only
	A	B	C
10	36.19	1,075.51	20.87
11	1,121.93	1,075.51	647.00
12	1,121.93	1,075.51	647.00