My return has been rejected because I haven't included a 1095 a form. I didn't have insurance through the marketplace in 2021. I had insurance through work. What to do

[PattiF]

The reject error F8962-070 is an indication that someone shown on your tax return (taxpayer, spouse, or a dependent) is in the IRS database as having been covered by Marketplace insurance at some point during 2021, and Form 1095-A is required to be entered for that Marketplace insurance.

If you do not have or did not think you needed Form 1095-A, please contact your state's Marketplace insurance to confirm whether anyone in your household was covered.  Once you can confirm this, please come back and share that information here.

The following TurboTax help article will give you further steps you can take to try to resolve the issue.  It also contains links to use to contact the Marketplace to confirm coverage for members of your household.

How do I fix e-file reject F8962-070?

@Carlosl52

[Steinkij]

Just submitted using online format

Rejected 3 times

TTax continues to override my No…to a Yes I have a 1095-a

[JohnB5677]

Can you please confirm that you've logged into a Marketplace account or called the Marketplace to confirm that none of the SSN listed on your tax return had marketplace insurance at ANY time during the year and there is NO 1095-A that was or will be issued?

 There are a couple of reasons why this can happen.  Please try these workarounds.  The first will clear the form.  From time to time it will come back.  Then use the second alternative.

 On the menu bar on the left that shows.

1. My Info
2. Federal
3. State
4. Review
5. File
6. Select Tax Tools
7. On the drop-down select Tools
8. In the Pop-Up menu select Delete a Form
9. This will give you all of the forms in your return
10. Scroll down to the form you want to delete
11. Select the Form
12. Click on Delete.
     

Always use extreme caution when deleting your tax return.  

There could be unintended consequences.

 The IRS is rejecting returns because they believe you or someone on your return had insurance through the marketplace. If you did have insurance through the marketplace in 2020, you may still just be on their list.

 The workaround is to enter $1 for the 1095-A.  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: 

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

[carolinebearaline]

This is very very irritating, especially seeing that TurboTax knew about this in January.

The TT representative is telling me to basically fill out a fake 1095-A and that is the only way to get around this... there is no way that is the resolution. Can someone please help?!

[AmyC]

If your return is rejecting, it is due to the IRS believing the form should be in there. You can:

• Contact  Healthcare.gov  and see if you are in their files and what they have, 
• you can mail your return with tracking for your safety and proof of filing, or 
• you can do the fake 1095-A. 

You are right that something has to come of the IRS thinking you have it when you don't. It may be you had marketplace in a prior year and the IRS is behind in updating their system.

@DaveF1006 gave these directions for a fake 1095-A.

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. 

@carolinebearaline

[ericalee0507]

Has this issue been corrected?

If I don't have a 1095-A, then I should not enter any data in Turbo Tax so that the IRS will not reject my return.

I have NEVER purchased insurance from the ACA,  so there should not be any record of that with the IRS.  If the glitch is in Turbo Tax's software, then it needs to be fixed.

So, has this issued been corrected?

[JohnB5677]

Can you please confirm that you've logged into a Marketplace account or called the Marketplace to confirm that none of the SSN listed on your tax return had marketplace insurance at ANY time during the year and there is NO 1095-A that was or will be issued?

 There are a couple of reasons why this can happen.  Please try these workarounds.  The first will clear the form.  From time to time it will come back.  Then use the second alternative.

 On the menu bar on the left that shows.

1. My Info
2. Federal
3. State
4. Review
5. File
6. Select Tax Tools
7. On the drop-down select Tools
8. In the Pop-Up menu select Delete a Form
9. This will give you all of the forms in your return
10. Scroll down to the form you want to delete
11. Select the Form
12. Click on Delete.
     Always use extreme caution when deleting your tax return.  There could be unintended consequences.

 The IRS is rejecting returns because they believe you or someone on your return had insurance through the marketplace. If you did have insurance through the marketplace in 2020, you may still just be on their list.

 The workaround is to enter $1 for the 1095-A.  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: 

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

[scottyabe]

It isnt a solution if you did not get a 1095-A and it keeps reverting back, to call for your 1095-A

[DianeW777]

Let's try this, it has been successful for other. 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: 

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

@scottyabe 

[Edited: 04/14/2022 | 12:45p PST]

[loganswann22]

Yup! Same thing is happening to me. There is a glitch in their system, I went to Federal > Deductions & Credits > Medical > Affordable Cares Act and then selected "No I did not receive a 1095 A Form." continued through the process. Went back to check if it corrected & the button is now clicked to "Yes I received a 1095 A form." I've tried changing it to NO 100x it won't stay keeps going back to yes. Therefore it's rejecting my taxes. Turbotax needs to fix this ASAP!!!

[ericalee0507]

Hello,

I submitted my return without having to create a dummy 1095A. I’m thinking  that the reason it worked for me is because I never had health insurance through the ACA.

My thought is that we should not have to create a document to prevent a rejection because there’s a glitch in the TurboTax software. It is the responsibility of TurboTax to correct this issue! Period!!!

I also want to know, if the IRS is aware of this and that TurboTax is telling its customers to create this dummy 1095 A to prevent a rejection!

[ericalee0507]

Agreed!!

We should not have to create any type of dummy form to get the  IRS to accept our returns!!!

[loganswann22]

Thank you!! I have never had health insurance through ACA! It’s still rejecting it & the glitch is changing it back to “Yes I have a 1095” how do I create the dummy form??? 

[TeresaM]

If you have e-filed your return and gotten an IRS rejection code for Form 8962, it could be because there is a partial entry in your return or because they have information from Healthcare.gov about Marketplace insurance and are looking for a 1095-A on your return to match their records. This might be because you or someone on your return began an application for insurance but did not actually enroll, or for some reason, Healthcare.gov erroneously has something connected to a social security number on your return. Forms 1095-B and 1095-C do not need to be filed and should be kept with your tax records. Please do not enter their information into TurboTax.

When our interview section Affordable Care Act (Form 1095-A) for the Marketplace insurance reaches the screen, Did you receive Form 1095-A for your health insurance plan? It will default to "Yes." If you select "No" and Continue, it will not generate any Form 8962 information into your return. If you come back, it will default to "Yes" again, but it remained the "No" you selected until you came back into the area. This is as it should be.

In TurboTax Online, to ensure there is not a partially completed form in TurboTax, please check here to delete the form from your return. This will delete both the form and the entries. Please check for any Form 1095-A and also Form 8962.

1. To Delete a Form go black menu bar on the left
2. Click on Tax Tools
3. Click on Tools
4. Under Other helpful links, click on Delete a Form
5. Scroll down and check for 1095-A or 8962  and if there is one, click on Delete
6. Click on the blue Delete Selected Form 
7. At the bottom, Continue
8. Repeat until any Form 1095-A or From 8962 are deleted
9. At the bottom, Continue with my Return

If you have already checked online at Healthcare.gov for Form 1095-A information and do not find what you need, you may wish to call them and see if there is any reason they would have told the IRS to expect a Form 1095-A. You may reach them at:

1-800-318-2596

(TTY: 1-855-889-4325)

Available 24 hours a day, 7 days a week (except holidays)

Once you have resolved the Healthcare.gov information, the IRS should accept your e-file. In the past, they would accept the e-file but then route the returns with Marketplace questions for special processing that caused significant delays. This way the issue can be addressed, and your e-file should not be further delayed after it is accepted.

[Naielag]

If you put a dollar figure in Turbotax makes you upgrade and pay.