I married in 2022 and will file jointly w/ my husband. We each have a health care plan through the marketplace & receive a premium tax credit. What is impact our return?

[lgal63]

I want to make sure we'll be able to take advantage of both premium tax credits since we were single when we got the plans.

[Bsch4477]

Any change in income or the household requires you to report that to the marketplace so adjustments to your account can be made. 

[Critter-3]

When you complete the joint tax return you will need to fill in the 1095-A section carefully and indicate that you were married during the year.  You should have contacted the ACA when you got married and got the policies changed from 2 separate policies to one policy and adjusted the PTC advance appropriately. 

[lgal63]

Thank you for your response. We just didn't even think about merging the plans as we have both been single for a very long time. I could not find any info from the IRS or elsewhere, but it sounds as though you are saying we should file jointly and just provide information from both of our 1095-A forms on the tax return. Is that correct? We understand that our joint income will change, and may modify the amount of the credit, but we just want to ensure we can take advantage of as much of the premium tax credit(s) as we can.

[NCperson]

@lgal63 - I appreciate you stated you want to take advantage of as much of the premium credit as you can, but 'rules are rules' and 'it is what it is'.....  my point is, you can't do much about it but let the chips fall where they may.

Filing Joint is almost ALWAYS better than filing Married - filing Separate, which are the only two choices you have. 

[lgal63]

Thanks for the speedy reply! I understand. I guess I wasn't clear enough with my concern. We will have 2 separate 1095-A forms relating to two single people versus one for a married couple. That will not be an issue on joint tax return?

[Bsch4477 · Accepted solution]

• If you got married in December of this tax year and you and your spouse, or individuals in your and your spouse's tax family, were enrolled in separate qualified health plans, add the amounts from Form 1095-A, column B, for each plan (or plans) and enter the total. If you got married in a month other than December, your applicable SLCSP premium may not be the same for every month. If it is not the same for every month, you cannot use line 11.

[lgal63]

Thank you. This is what I needed to know!

[Jeff365247]

Did you end up having to pay it back?