How do I enter 1095-A? Turbo tax won't accept $0 for Col B of rows 21-32 (SLCSP), but I was eligible for employer coverage so I'm not eligble for PTC.

[jason109]

I tried healthcare.gov/tax-tool, it said my SLCSP was 0 because I was eligible for employer coverage ("Select all months Jason was enrolled in a Marketplace plan and paid the premium. Note: Don't select months Jason was eligible for other health coverage outside the Marketplace)."   I don't expect the PTC, but I know that IRS will reject my return without 1095-A, AND I want to deduct all of the premiums, which I paid with after-tax dollars.  But Turbo Tax won't take my form, it say "Must be greater than $0" for each column B field.

[AliciaP1]

On the 1095-A, column B is the Monthly Premium Amount of Second Lowest Cost Silver Plan (SLCSP), which is never $0 as it represents a premium amount that would have been charged.  Column C reflects the Premium Tax Credit you received throughout the year.

You need to enter your 1095-A exactly as the form you received shows.  You can get a copy of your form from your Marketplace account if you did not receive it in the mail.   If you did not receive a 1095-A (or you received a 1095-B or 1095-C), you should not enter anything on this screen.

Your premiums are deductible as medical expenses (unless you were self-employed) and limited to the amount that exceeds 7.5% of your adjusted gross income.  This amount also is only deductible when you itemize your deductions.  If you do not enter your 1095-A, the IRS will not reject your return.

[jason109]

Sorry for not replying sooner, I had to go out of town unexpectedly, and I'm now filing my taxes late.

You said, "On the 1095-A, column B is the Monthly Premium Amount of Second Lowest Cost Silver Plan (SLCSP), which is never $0 as it represents a premium amount that would have been charged".

On my form, it is $0 for all months.  The cover letter with the form mentions this might happen, and points to the Instructions for Form 8962.  That document, as well as the on-screen help in Turbo Tax, say that you can get these figures from HealthCare.gov/Tax-Tool/.  However, that tool tells me not to check the box for months where I was eligible for other healthcare.  If I don't check the box, that tool reports 0.  If I do check the box, I get a non-zero SLCSP amount; when I enter those values into Turbo Tax, it tells me I am eligible for the Premium Tax Credit.

BUT - I was eligible for health insurance through my employer, I just chose to use the marketplace because my employer's plans don't cover any of my doctors.  I think that means I'm NOT eligible for the PTC, correct?  If so, then I need to leave the SLCSP values as 0, which I cannot do (TurboTax reports an error).  Should I just remove the form 1095-A from TurboTax?  I can find no place in TT to tell it I was eligible for MEC through my employer.

[Critter-3]

Ok ... if you have a 1095-A with a non zero amount in column A then you MUST also have an amount in column B even if the form doesn't provide you one.  You must get the amount by using  this easy to use  tool :  

https://www.healthcare.gov/tax-tool/#/

[jason109]

Thanks @Critter-3, but as I noted above, I HAVE used that tool (https://www.healthcare.gov/tax-tool/#/), but it reports $0 for each month, UNLESS I lie and tell it I was not eligible for employer-provided coverage.  That gives me a value, but if I put it into Turbo Tax, TT tells me I am eligible for PTC, which I'm pretty sure I'm not (again, due to my eligibility for employer-provided coverage, which qualifies as MEC).

[rainswill76]

the form does not accept "0's" in any of the boxes, if the amount is 0, leave it blank. 

[Tkaberg]

I have similar problem.  I was covered by my husband's employer January 2023.  My 1095-A Has amounts in column A and B for February through December.  But blanks in all three columns in January for columns ABC.  What do I do?

Thanks for any help.

Terri

[DoninGA]

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@Tkaberg wrote:

I have similar problem.  I was covered by my husband's employer January 2023.  My 1095-A Has amounts in column A and B for February through December.  But blanks in all three columns in January for columns ABC.  What do I do?

Thanks for any help.

Terri

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Leave all the columns blank (empty) for January.

[Tkaberg]

I tried that.  First I had zeroes in there.  Then I removed all the zeroes and it said it can't be left blank. It then gave me a link to figure out the SLCSP  for column B January and said can't be blank.

[DoninGA]

@Tkaberg Delete the Form 1095-A and re-enter manually.  The Form 1095-A will accept blank rows for any month where you did not have ACA health care insurance.

To enter, edit or delete your Form 1095-A -

• Click on Federal Taxes (Personal using Home and Business)
• Click on Deductions and Credits
• Click on I'll choose what I work on (if shown)
• Scroll down to Medical
• On Affordable Care Act (Form 1095-A), click the start or update button

[Tkaberg]

I'll give that a try. Thank you!

[dhariana07]

I added .01 for all months for column B and it worked.

[Fred-J]

I am amended my 2021 NYS return and claimed the Real Property Tax Relief Credit and ran into the same problem with form-1099-A.  The original return didn't complain about column B having 0.0.
Your .01 trick worked! Thank you.