Form 1095-A Entries

[mikeytax]

I have a Market Place Health Plan for 2024 and have received a form 1095-A. I'm trying to enter the values from the form in Part III Columns A, B, and C. The Column A has the actual premium amount ($803.28) and there are zeros in all of columns B & C. The software will not allow a "zero" entry for Columns B & C. I do not qualify for a Premium Tax Credit as my Pension Fund has set aside a Health Care Reimbursement Account (HRA) for all participants in the pension. The HRA is more than any tax credit that I would qualify for due to income limitations on the tax credit. That said, how do I enter the values from my form 1095-A for columns B & C as the software will not accept "zeros"? 

My understanding is that if I'm issued a form 1095-A that I have to enter the data or the  IRS will reject the return? 

[BrittanyS]

You can not enter 0 in Column B, even if you did not have coverage for that period. If you did not have coverage for the month, you will still enter the second lowest cost silver plan in Column B. If your 1095-A does not have the amount listed, you will need to contact the Marketplace to determine the second lowest cost silver plan.

[mikeytax]

Thanks for the response. 

So, I did contact the Market Place and they gave me a SLCSP price of $923.48 to put in all 12 months of Column B. That in turn, computes a Premium Tax credit on form 8962 that I'm not qualified to accept due to the HRA my pension system made available to me in lieu of the Premium Tax Credit (my healthcare premiums in column A comes to $803.28 per month).  

I did call Intuit Support on the issue since the Tax software won't let me enter the data that's actually on my 1095-A (zeros for column B). The Intuit Representative directed me to just enter the same amount in column B that was entered on my form 1095-A for column A. That made it a "wash" on the Premium Tax Credit issue (zero credit calculated on form 8962), so that takes care of the Tax Credit I cannot take. However, that's not what's on my form 1095-A for column B and I'm worried as I believe the IRS gets a copy of my from 1095-A?  The representative said the proposed solution won't be an issue as long as the column A number is accurate (it is at $803.28). 

Any other suggestions on this. I just need a way to enter the form 1095-A data that DOES NOT generate a Tax Credit on form 8962...........

[MarilynG1 · Accepted solution]

If you enter your 1095-A as issued, with an amount in Column B as advised, you won't have an issue with the IRS.  The instructions for this form say that you can determine the amount that should be in Column B (if it's blank).

Here's more info Entering Form 1095-A, which includes a tool to use to calculate the amount for Column B (which it sounds like was done for you already).

@mikeytax