Doesn't make since

[tracylynnbell]

If someone has the market place insurance and has a heart attack and informs the hospital of insurance but then the health insurance provider doesn't pay the bill so this person just doesn't go back to the doctor in fear that the insurance company won't pay again why does this person have to pay the tax credit back why doesn't the insurance company have to refund the money to the IRS ? Why does the tax payer have to pay it back when they didn't use it  

[xmasbaby0]

We can answer questions here to help you prepare your tax return and/or to use the tax software.   It sounds like you had a bad experience with the health insurance you have had, and that is very unfortunate.    But it is not something we can "fix" in this user forum.

If you have a 1095A for marketplace insurance from healthcare.gov, it has to be entered on your tax return.

TO FIND A 1095-A

How to find your 1095-A online

1. Log in to your account.
2. Under "Your Existing Applications," select your 2024 application — not your 2025 application.
3. Select “Tax Forms."
4. Download all 1095-As.

Get screen-by-screen directions, with pictures (PDF, 504 KB).

To enter your 1095A go to Federal>Deductions and Credits> Medical>Affordable Care Act (Form 1095A)