Should I report form 1095-A if I used HRA to pay for premiums and Part III column C are all zeros?

[Karis_F]

Yes. If you received a Form 1095-A for 2025, you should report it on your tax return. If you do not, your return may be rejected by the IRS.

To enter Form 1095-A in TurboTax Online, follow this path:

Federal>Deductions & Credits>Health Insurance Marketplace (Form 1095-A)

Here is a TurboTax article with more information on Form 1095-A.

[Farnster]

This doesn't answer his question.... by including the 1095-A, which I agree needs to be included, TurboTax is calculating a premium tax credit (PTC) for the health insurance premiums. 

The problem for those of us with HRAs is that we are drawing money from the HRA to help offset the cost of the insurance, and by IRS rules you can't claim a PTC if you are using money from an HRA.  TurboTax does not ask ANY questions about HRA funding or withdrawals and is calculating a PTC we can't claim.  It is doing this on both the online version and desktop version of turbo tax.  I got instructions to modify the values on the 1095-A form, but I'm very much against providing incorrect information on a tax form to trick TurboTax into calculating the correct number.

Please correct the program so it doesn't allow people with HRAs to accidentally double dip with a PTC.

From IRS publication 974

Individual coverage HRAs. Starting in 2020, employers can offer individual coverage HRAs to help employees
and their families with their medical expenses. Under an individual coverage HRA, employers can reimburse eligible employees for medical expenses, including premiums for Marketplace health insurance.

If you were covered under an individual coverage HRA for 2024, you are not allowed a PTC for your 2024 Marketplace health insurance. Also, if another member of your tax family was covered under an individual coverage HRA for 2024, you are not allowed a PTC for the family member's 2024 Marketplace health  insurance. If you or a family member could have been covered by an individual coverage HRA for 2024, but you opted out of receiving reimbursements under the individual coverage HRA, you may be allowed a PTC for your, and your family member's, Marketplace health insurance if the individual coverage HRA is considered unaffordable.

[MarilynG1]

Enter the amount of the Medical Premium reimbursement you received from your HRA in the Medical Expenses section.  It's the last question in the interview.  This offsets the credit transferred from your 1095-A entry, whether you itemize or not. 

@Farnster 

[ReynaLBall]

I updated my medical worksheet as you noted in your example for my HRA reimbursement.  this did not change my federal tax form.  

it still shows the PTC applied to my return

[MarilynG1]

Yes, you may still be eligible for the PTC on Form 8962.  However, if you're not itemizing deductions, when entering your 1095-A, you can enter the amount of premium paid less the reimbursement amount you received.  This will recalculate Form 8962.

@ReynaLBall 

[ReynaLBall]

you are saying to reduce column A(monthly premium) of the 1095-A form by the amount i was reimbursed?  Will this not cause a flag since my input will not match the form I received?

[MarilynG1]

No, don't reduce Column A on the 1095-A; that's the premium amount that is charged monthly by the insurance company.  Reduce Column C, which is the amount that was advanced to you to pay your premium.

If your Column C is $0's, enter the amount of HRA you received each month.  This should eliminate or reduce the PTC that is calculating for you.

@ReynaLBall 

[Edited 2/16/2026 | 10:31 am]

[ReynaLBall]

i have zeros in column C???

Plus Pub 974 states:

Individual coverage HRAs. Starting in 2020, employers can offer individual coverage HRAs to help employees and their families with their medical expenses. Under an individual coverage HRA, employers can reimburse eligible employees for medical expenses, including premiums for Marketplace health insurance.
If you were covered under an individual coverage HRA for 2024, you are not allowed a PTC for your 2024 Market-place health insurance. Also, if another member of your tax family was covered under an individual coverage HRA for 2024, you are not allowed a PTC for the family member's 2024 Marketplace health insurance.

Not sure how not to take it in the turbo tax system

[MarilynG1]

Yes, if you never received any Advance Premium Tax Credit ($0 in Column C), then you shouldn't be getting any PTC back.  Form 8962 must be calculating one for you, based on your income and the amount of your premium.  

I would suggest that if your Column C is $0, enter the amount you were reimbursed each month by your HRA instead. 

@ReynaLBall 

[Farnster]

That's not how the PTC is calculated in TT, it applies a credit even if you weren't given an advance credit, and from my research in how the PTC works is correct.

What is NOT correct is that anyone using an HRA should get ANY PTC.   TurboTax never asks about an HRA, AT ALL, it is calculating the PTC incorrectly for anyone using an HRA. 

Intuit really, REALLY needs to fix this in the program, it should not to be up to the user to catch this error, research the solution, and modify values on a government provided form to TRICK the program into calculating the PTC correctly ($0).  I've called, chatted and even inquired in Facebook Messenger, spent hours trying to get a correct response (fix the program), but to no avail, I've gotten varying responses, the best response is below.  I'm told that the IRS does get information about a taxpayer's HRA, even if the taxpayer does not get a form to report the information.

FYI, in my case, I reduced the values reported on Form 1095-A, in Column B, by your average monthly HRA value, and it calculated the PTC to $0.  I was told the "keep my paperwork in case the IRS audits".  

Per the IRS.....

Individual coverage HRAs.

Starting in 2020, employers can offer individual coverage HRAs to help employees and their families with their medical expenses. Under an individual coverage HRA, employers can reimburse eligible employees for medical expenses, including premiums for Marketplace health insurance.

If you were covered under an individual coverage HRA for 2024, you are not allowed a PTC for your 2024 Marketplace health insurance. Also, if another member of your tax family was covered under an individual coverage HRA for 2024, you are not allowed a PTC for the family member's 2024 Marketplace health insurance. If you or a family member could have been covered by an individual coverage HRA for 2024, but you opted out of receiving reimbursements under the individual coverage HRA, you may be allowed a PTC for your, and your family member's, Marketplace health insurance if the individual coverage HRA is considered unaffordable.

[Farnster]

Changing Column C would indicate you got an APTC when you didn't.  This does not feel like correct advice to me at all.  I'm really starting to lose faith in TurboTax on this issue.    On a separate thread the advice was to file taxes by mail and include a note.

[user17728090640]

Do you suggest this approach ( I.e., enter the monthly reimbursement amount in column C) if the 1095-A column C is blank? That seems to be a bad approach, to correct a shortcoming in the TurboTax program.

[Farnster]

Reduce column B by your HRA amount resulted in a zero PTC for me.  If you get an HRA you should get zero PTC, so it's not proper logic, if someone got say a very small HRA, it might not reduce the PTC to zero, but then you would probably not have taken the HRA and gone for the PTC instead.  

Column C is tax credit you already received, while it might also reduce a tax return, it would indicate a PTC you didn't actually get, so really not the right approach.  

Intuit really needs to fix this properly, not fudge numbers.  For anyone who doesn't already know you can't have both an HRA and PTC you're going to get tax rebate you're not due, and it will likely catch up with you, especially with the current administration's focus on the issue.  

[user17728090640]

I agree - we should NOT have to fudge numbers to account for reimbursements from an HRA. This situation has obviously existed for some time now—posts on this go back as far as 2022. TurboTax should have dealt with this by now.