Co Parent Filing with Marketplace Insurances

[Ckbandgeek77]

My son had Marketplace Insurance from his father (I carried private insurance for him). My taxes for 2025 are being rejected for not having a 1095-A form. I wasn’t aware of how his insurance was obtained until today when I filed as it’s my year to claim our son (we alternate years). 

Do I need to get the 1095-A from his father, even thought it’s not not plan? 

Does this offset my return amount?  

[Mike9241]

Since you are claiming him, he's considered to be in your tax family. Iff he's in your tax family, you must include the 1095-A on your return. However, what's between his father and you is how much of the premiums are allocated on his father's return to his son.   This can range from 0% to 100% of all premiums. The effect on your refund is unknown. Further, if your son is required to file a tax return, his modified adjusted gross income must be reported on line 2b of Form 8962.

son's modified adjusted gross incoome

1. Enter son's AGI from Form 1040, or 1040-NR, line 11...................
2. Enter son's tax-exempt interest from Form 1040, 1040-SR, or 1040-NR, line 2a............
3. Enter any amounts from son's Form 2555, lines 45 and 50...........................
4. Son's Form 1040: If line 6a is more than line 6b, subtract line 6b from line 6a and enter the result..........................
5. Add lines 1 through 4. Enter here and on your Form 8962, line 2b.........................

[Ckbandgeek77]

Our son is 8, so thankfully he doesn’t have to file his own taxes. 

So I attach the 1095-A to my form but if I select 0% on my form. His father, when filing not claiming on son, would need to put 100%. So that it doesn’t come out of my return? Am I understanding that correctly.