marketplace ins and adult children

[da]

I have 2 adult children that we added to our marketplace insurance last year. Both of them were insured for only 2-3 mos of the year; the 1st daughter lived at home for 9 mos of 2019, was 25 yrs on Dec 31, was a student, and then obtained insurance through employer; our younger daughter didn't live at home in 2019, was 19 on Dec 31, 2019, and was removed because she wasn't living at home. I was under the impression unmarried children could be on their parents insurance until age 26.  I didn't hear anything about "living at home" being a requirement.. Also, they both want to file on their own, but their names are on our 1095-A and their filings were rejected.  Any clue what will happen when we file our taxes? 

[ColeenD3 · Accepted solution]

The form 1095-A has to be prorated for all the persons on the plan. If their names are on the 1095-A, that form needs to be entered on their return. Normally, then one 1095-A spreads across several returns, amounts can be allocated to each party. Since they were briefly on the plan, they can be allocated zero percent regarding the amount.

[colbert71635]

How is one supposed to prorate this discombobulated mess? The marketplace demanded that I put my daughter on our insurance, even though she is working. Since I claimed her as a dependent the previous year, they said I had to include her income for my wife to be able to get insured. So, both were insured by the marketplace. I told the marketplace I would not be claiming her for 2019, they said it didn't matter.

So, how do I determine what portion of the policy amounts to claim? Wife is 58, daughter is 23.

[ThomasM125]

You can split things up using any percentage everyone agrees on.

If there isn't agreement, then you divide the number people with health coverage listed on each tax return by the total number of people on the policy and use that percentage for that tax return.

[colbert71635]

I received 1095-a in my wife's name. My daughter was included and is listed as a "Covered Individual" on line 17.

Do I show her as having received a 1095-a and enter the information from my 1095-a, or do I need to contact the marketplace (Please, don't make me call the marketplace again!!!) to request one in her name?

[VictoriaD75]

Is your daughter listed as a dependent on your return? If not, there is a box you can check to indicate that there is someone covered on your 1095-A that is not listed on your return. If she is not on your return, she will have to report it and a percentage on her return. You can allocate it with any percentage you choose, even 100% & 0%, as long as the total allocation is not greater than 100%.