ACA and Employer Insurance Overlapping for 3 months, How do I file to reconcile?

[klaurian]

I am in a unique situation as a substitute educator. I was offered health insurance through my employer, but it only covers me, not my husband. My employer began offering me insurance in October 2024, at which point my husband and I were already enrolled in an ACA plan and receiving a federal tax credit for it.

I have to pay some out-of-pocket costs for my employer’s plan, and since it only covers me, my husband remained on our ACA plan. Given that both plans overlapped for three months, how should I file my taxes?

I received both a 1095-A and a 1095-B. Will TurboTax ask whether my husband was eligible for coverage under my employer’s plan, or can I simply indicate that only I was covered? I want to ensure that we were still eligible for at least part of the tax credit and that we don’t have to pay it all back.

Thank you in advance for your help!

[MarilynG1]

You don't have to enter your 1095-B or any info about your employer insurance in your tax return.

Just enter the 1095-A as issued.  Your eligibility for the PTC depends on your total household income.  You'll be able to see the calculations for the credit on Form 8962.

Here's more info on How is the Premium Tax Credit Calculated.  Enter your other out-of-pocket medical expenses for inclusion on Schedule A, if you itemize deductions. 

@klaurian