Is mailing a tax return considered filing or does it have to be accepted and processed

[drewsg3]

Sorry for the convoluted question 

I'm going to lose my ACA healthcare credits because I've had a lot going on and didn't file my 2023 and 2024 taxes. Healthcare/gov says if I file by midnight and call back and let them know that I will be able to keep my healthcare credit, but TurboTax won't let you e file for 2023

If I do my taxes and mail it by midnight, is that considered filing?

[rjs]

You have to ask Healthcare.gov when they consider the tax return to have been filed. If they say that mailing it today is not good enough, but they will be satisfied if you e-file it today, a local tax professional should be able to e-file a 2023 tax return for you today. But you only have a few hours left. If you do mail it, take it to the post office and get a receipt to prove that it was mailed.

[Opus 17]

For IRS purposes, the date the return is postmarked is when you filed it.  I don't know if the ACA rules are the same, you would have to ask them.

If you are mailing the return after the PO closes but before midnight, I would look for a post office with a self-service kiosk where you can put the return in a priority mail envelope, print the postage, and get a dated receipt.