I applied for health insurance for 2018, but I did not pay any bill all 12 months. I still received a 1095-A that says I was covered for all 12 months. What happens next?

[argyle-giraffe]

I did apply for health insurance for 2018, however it was still too pricey for my budget and I did not pay the first premium. (I don't even remember the login or even what coverage I had). I received a 1095-A stating that my husband and I were covered for all 12 months. Each "Monthly enrollment premiums", "Monthly second lowest cost silver plan (SLCSP) premium" and "Monthly advance payment of premium tax credit" were identical but I didn't pay anything.

I input my 1095-A into Turbo Tax, but what happens? Do I have to pay a fine for not being insured or do I have to pay back the IRS? 

[Vanessa · Accepted solution]

If the Advance Premium Tax Credit was equal to the cost of the plan and you have a 1095-A showing you were covered all year, you were probably covered and received the credit and didn't need to pay anything and are not subject to a fine. 

If TurboTax is telling you that yes, you have to pay it all back, then yes, you need to pay it back.  If it is not saying that then you don't.  

[argyle-giraffe]

I added it to Turbo Tax and was not prompted that I will owe anything back. Thank you, I'll file it with the rest of my taxes.