My federal taxes keep getting rejected because it says I need and ACA explanation. I do not have a marketplace health insurance plan. I never had one, how do I fix this?

[blyearwood]

I have insurance through the VA and my husband’s health insurance plan through his work. I have “fixed” and submitted my taxes 8 times but it keeps getting rejected. I spoke with a specialist, they told me to try and get the 1095-A from healthcare.gov, so I did, but I don’t have one because I don’t have healthcare through them. I think it is a glitch in TurboTax, because I should be able to say I don’t have a 1095-A and be done, but it keeps coming up with the same issue.

[DaveF1006 · Accepted solution]

There was an update with available information on this recently.  The IRS is rejecting returns with this code because they believe you or someone on your return had insurance through the marketplace. Since you did have insurance through the marketplace in 2019, you  may still just be on their list.

You can try to enter $1 for the 1095.  This will not affect anything on your return, but having the form there may get the IRS to accept your return.  To do this take the following steps:

• Click Deductions and Credits
• Scroll down to Medical and Click Show More
• Click Start or Revisit next to the ACA
• As you walk through the questions, you will be asked if you received a 1095-A.  If you did NOT, click YES.
• Enter 0's for the Marketplace identifier and Policy number.
• Enter $1 for January monthly premium amount and SLCSP
• Walk through to the end and submit your return. 

Let me know if this works.  

[blyearwood]

YOU ARE THE BEST, YES THAT WORKED!!!

[brookesilver90]

@DaveF1006 Your suggestion worked for me! Thank you so much!

[StintheKid]

DAVE IS THE MAN! Thank you so much! 

[Sebsd]

Genius, it solved the issue. You are the man! 

[David229]

taxes prepared but rejected by something i have never had.  Need way to fix this

[David229]

Thanks so much it  helped me so much

[Sam1994]

How do I do this through the IRS free fillable forms? I got the same rejection and I'm seeing an option to "add ACA Explanation". When I click on it, it just gives a text box where I can type up to 4000 characters. Should I just write out that I'm not on market place insurance and resubmit?

[Cynthiad66]

You can try entering the explanation to see if that works, but I seriously doubt that it will work.  The IRS is looking for form 1095-A.  Did you or a dependent ever use the Marketplace?  Anyway, @David 229 gave a great work around to try that could get you oast the error to file.

Here is the workaround:

There was an update with available information on this recently.  The IRS is rejecting returns with this code because they believe you or someone on your return had insurance through the marketplace. Since you did have insurance through the marketplace in 2019, you  may still just be on their list.

You can try to enter $1 for the 1095.  This will not affect anything on your return, but having the form there may get the IRS to accept your return.  To do this take the following steps:

• Click Deductions and Credits
• Scroll down to Medical and Click Show More
• Click Start or Revisit next to the ACA
• As you walk through the questions, you will be asked if you received a 1095-A.  If you did NOT, click YES.
• Enter 0's for the Marketplace identifier and Policy number.
• Enter $1 for January monthly premium amount and SLCSP
• Walk through to the end and submit your return. 

@Sam1994

[Dimanow]

What do I do to fix this. My refile is rejected. Can someone call me please to fix this. Thank you

[DaveF1006]

If you continually have rejection issues, do the following as this cleared many of the rejection problems that have occurred. This will not affect anything on your return, but having the form there may allow the IRS to accept your return.  To do this take the following steps:

• Click Deductions and Credits
• Scroll down to Medical and Click Show More
• Click Start or Revisit next to the ACA
• As you walk through the questions, you will be asked if you received a 1095-A.  If you did NOT, click YES.
• Enter 0's for the Marketplace identifier and Policy number.
• Enter $1 for January monthly premium amount and SLCSP
• Walk through to the end and submit your return. 

Let me know if this works.  

@Dimanow

[Lilarivert__]

Omg this worked. I’ve been trying for over a week. Thank you!!!!

[poochiewon01]

This solved my problem, great help

[Catherinef1]

What should I put in for "C. Monthly Advance Payment of Premium Tax Credit"? It will not let me proceed without inputting this information. Thanks!!