1095-A Entry for Non-Dependent Child

[pgsweeney]

I have a 1095-A form (No advance premium tax credits)  where I had my non-dependent son on the policy with me during two different timeframes within 2025. For example, he was on policy with me for January-March and then June-December. When TurboTax asks for the timeframe of coverage, it doesn't provide for more than one start month/end month. How do I handle this? It gave me an error when I put the same policy in twice with the two different timeframes.  Thank you.

[DaveF1006]

Since it's the same policy number, you should enter it as one single 1095-A form in TurboTax. You will need to adjust the monthly rows to show who was on the plan during which months.

1. Delete the duplicate: Go to Tax Tools > Tools > Delete a form and remove both 1095-A entries to start with a clean slate. 
2. Start one 1095-A entry: Enter the policy information exactly as it appears in Part I.
3. The "Shared Policy" Checkbox: When the software asks, "Was this policy shared with someone who is not on your tax return?", check YES.

Allocate by Month:

1. For Jan–March: You will allocate a percentage to your son (e.g., if there were 2 people on the plan, you might allocate 50% to him and 50% to you).
2. For April–May: Since he wasn't on the policy, you allocate 0% to him and 100% to yourself.
3. For June–Dec: Switch back to the shared allocation (e.g., 50/50).

 

How to handle the "Manual" Monthly Entry

1. TurboTax often asks if the amounts were the same every month. Select "No." This will open a grid where you can see January through December.
2. For your return: Enter 100% of the values for the months he was not on the plan, and your agreed-upon percentage (e.g., 50%) for the months he was on it.
3. For his return: He will enter the same 1095-A info but only enter values for the months he was covered (using his percentage), leaving the other months at $0.

 

A "Safe Harbor" Shortcut (Since APTC is $0)

If your son is not claiming the Premium Tax Credit on his own return (for example, if his income is too high or he doesn't need the credit), you can often simplify this significantly:

Report the entire 1095-A on your return and do not mark it as a shared policy. Since there were no advance payments to "reconcile," the IRS primarily cares that the 1095-A is accounted for. If you paid 100% of the premiums and he isn't claiming a credit, claiming 100% on your return is generally acceptable and avoids the "shared policy" math headache.

[JWK25]

Please clarify for my situation. Our non-dependent son was on our ACA plan 1/1/25 - 6/30/25, he files his own taxes. We received 1 1095-A that shows the three covered individuals, our son 1/1-6/30 and the two of us 1/1-12/31. Our part 3 values changed when our son left the policy. We chose an agreed upon % of 33 and 67%. 

I entered our son as January - June for the coverage and input our portion of the shared policy as 67%, I don't see an option to increase our % to 100% for July - December.  I checked on forms 1095-A and 8862 and do not see a way to divide the percentages.

Are you saying that we should manually change to premium information in part 3 of form 1095-A to match the agreed upon percentage of allocation between us?

Another question is why does the 'get help with this' on the What's your portion of this shared policy page state that the 'Your SLCSP %' is usually left blank?

[MarilynG1]

If your 1095-A has no amounts for Advanced Premium Tax Credit in Column C, neither you or your son would receive a credit or have a repayment due.  The easiest option would be to enter the 1095-A on  your return, as required, and don't indicate that you shared a policy.  

Here's more info on Complex 1095-A Situation. 

@JWK25