If marketplace insurance overlaps with employer provided health insurance which covers the full 12 months, does the 1095-A information need to be entered in TurboTax?

[geoman]

My daughter was charged for marketplace premiums for the first few months of 2016 before the policy was terminated and received the 1095-A form for the tax year.  Her current employer provided health insurance for the full 12 months and provided the 1095-C form.  If she enters the 1095-A information, TurboTax wants her to calculate her premium tax credit which appears to increase her refund beyond what she would probably be entitled to.

[TaxGuyBill · Accepted solution]

Hypothetically, if she did not receive Advance credit (column C of the 1095-A), she doesn't need to enter the 1095-A in TurboTax (don't say she had Marketplace insurance).

However, that will likely cause the IRS to send her a notice about her 1095-A and Form 8962 because they think she qualifies for the credit.

So I would probably enter the 1095-A, but enter zero for the amount in column B.  TurboTax will flag that as an error, so she would probably need to file by mail.

[geoman]

TurboTax will flag zero for the amount in column B as an error but I confirmed it as the amount and looks like she can file electronically.

[TaxGuyBill]

Great, thanks for letting me know that it can still be e-filed.