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posted Feb 8, 2026 7:47:00 AM

1095A

My son was on a marketplace plan together with myself and my husband for 2025 for January and February.  He is a student with zero income.  In March he got married and for 2025 he will be filing married filing jointly with his wife who does have income and he will not be my dependent for 2025.  Turbotax want me to include his income which is zero, however, since he is filing married, do I have to include their income?  His income is now married filing jointly with spouse's income.

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1 Replies
Employee Tax Expert
Feb 8, 2026 8:46:59 AM

You will file your tax return without your son as a dependent.  Your son will file married filing jointly with his spouse.  You will both enter the 1095-A information as the health plan being shared.

 

In TurboTax Online, follow these steps:

 

  • Down the left side of the screen, click Federal.
  • Down the left side of the screen, click Deductions & Credits.
  • Scroll down to Medical.  Click the down arrow to the right.
  • Click Start / Revisit to the right of Health Insurance Marketplace (Form 1095-A).
  • At the screen Policy shared with another taxpayer, click Yes to the question Did you share this policy with another taxpayer who is not included in this tax return.
  • At the screen Tell us more about your shared policy, include the taxpayer information.

The IRS requires that your percentages are agreed upon by all and that the percentages add up to 100%.

 

  • Your Premium Percentage
  • Your SLCSP Percentage, and
  • Your Advanced Payment of PTC Percentage.

Taxpayer 1's tax return should reference taxpayer 2.  Taxpayer 2's tax return should reference taxpayer 1.

 

You will agree on what percentage of those amounts you will claim on your return, and what percentage they will claim on theirs. You can use anything from 0% to 100%, as long it all adds up to 100%.

 

See also this TurboTax Help.