My fiancé pays for my son’s insurance and is the policy holder, so my name is not on the 1095-a form. Am I still able to claim my son? What steps do I need to take?

[cottrillcait]

I would like to file my son as a dependent, but my fiancé has a marketplace insurance plan and his name is on the 1095-a form. Since my name is not on the tax form, can I still use it and claim my son a dependent. And if so, what is the process?

[BillM223]

Whether or not you can claim a dependent is a function of many more things than just the 1095-A.

See the IRS page Dependents, and especially the link Answer questions to see if you can claim someone as a dependent on your tax return.

To me, the question is whether or not your fiancé can claim your son as a dependent. The same tests in the links above apply to your fiancé as to you. If your son can be claimed by your fiancé as a dependent, then she needs to enter his 1095-A on her return.

In terms of allocations on the 1095-A, usually the parent/adult takes 100% and the child 0%, because the parent/adult is paying for it and should get the benefit of any refunded Premium Tax Credit (PTC).

Since your name is not on the policy, you should not enter the 1095-A on your return (and you didn't get one anyway, right?).