1095-A, Federal Refund Calculation Issue

Forum|Forum|7 months ago
February 15, 2026
8 replies
107 views

I received a 1095-A that had correct monthly premiums in column A, but only 0.00 in both columns B and C. Used the HealthCare.gov tax tool to find the SLCSP for column B and entered it, leaving column C with 0.00 since I didn't received the premium tax credit. After inputting that data my federal refund skyrocketed to about $10,000 when normally it's about $1,500. This can't be right and I don't want to file it this way as I don't want IRS trouble. What do I need to do to correct this?

Best answer by Vanessa A

I am having the same issue. It is very confusing. I have read lots of posts on the community boards in TurboTax and some contradict each other. I would like to just override the numbers and either use $0 for all columns including Column A or put Column B $0 with the actual Column A dollars from my 1095-A. The difference in my rebate would be $150 but if I do what one "expert" said where I subtract the the difference of my HRA and SLCSP amount it's a HUGE difference.

I don't want to get flagged for an audit because I didn't fill in all columns when I know in fact I don't get both HRA and PTC. That was already determined in the Marketplace when I signed up for the year.

Who really can guide us and give us a correct answer?

TurboTax is not currently able to handle this issue in the Do It Yourself software, you can either reach out to a Tax Professional for help with filing your return or you can print and mail the tax return along with a manually calculated form 8962. In Column (e) Part II rows 1-12 you would need to enter $0 for the months you are not eligible Premium Tax Credit. If you are using the desktop version, you can fill it out with numbers overridden in forms mode. This is feature is not available in the online program. Either way, it is probably easier to just print out form 8962 and hand write the entries. Do not enter 0's for column A, enter the correct amount on your form.

I would also suggest attaching a statement explaining that you are not eligible for the Premium tax credit . The reason for the statement is that there is not a spot on form 8962 to state you are not eligible for the credit for reasons other than numbers which are calculated on the form. So if you send it into the IRS with 0's in column e of form 8962, then you may end up with a letter back from the IRS telling you they are correcting your form and then they will send you the additional refund.

This is not so much a TurboTax issue as it is a form issue and the lack of ability on that form to report that you are ineligible for OTHER reasons.

L

LeticiaF1

Alumni - Intuit

When you apply every year for your insurance, you estimate what your income will be and what you pay for the insurance is based on the estimate. When you file your return and you include your Form 1095-A, you reconcile the amounts that you paid with what you should have paid based on your actual income. If you paid more during the year then you get a credit and if you paid less then you get an additional tax.

To make sure that the information is correct, contact the marketplace to make sure that column C is $0. Also review your entries on your return. To go back to this section:

Open or continue your return.
Navigate to the 1095-A section:
- TurboTax Online/Mobile: Go to 1095-A.
- TurboTax Desktop: Search for 1095-a, then select the Jump to link.

What is the Premium Tax Credit (PTC) and What is Tax Form 8962?

I

iamauntbearAuthor

Level 2

OK, thank you for that info. Question though—I'm retired from the State of Ohio and they give me a "Health Reimbursement Arrangement (HRA)" which is money that goes to reimbursing me for my health care premiums (tax free). Do I enter that somewhere into TurboTax? Seems to me that I shouldn't get the premium tax credit if I'm also getting the State of Ohio HRA.

A

amcdmc

Level 2

I am having the same issue. It is very confusing. I have read lots of posts on the community boards in TurboTax and some contradict each other. I would like to just override the numbers and either use $0 for all columns including Column A or put Column B $0 with the actual Column A dollars from my 1095-A. The difference in my rebate would be $150 but if I do what one "expert" said where I subtract the the difference of my HRA and SLCSP amount it's a HUGE difference.

I don't want to get flagged for an audit because I didn't fill in all columns when I know in fact I don't get both HRA and PTC. That was already determined in the Marketplace when I signed up for the year.

Who really can guide us and give us a correct answer?