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I got a 12C letter from the IRS (Form 8962)

by TurboTax•306• Updated 1 month ago

A 12C letter means the IRS needs more information to process your return. Usually, you need to provide Form 8962 - Premium Tax Credit. This form is required when someone on your tax return had health insurance in 2023 through healthcare.gov (or a state marketplace) and took the Advance Premium Tax Credit to lower their monthly premium. We'll help you create (or correct) the form in TurboTax.

You should have received a paper form in the mail from your marketplace. If you didn't receive a Form 1095-A, sign in to your healthcare.gov account to download a copy. Once you've got it, follow the instructions below for your edition of TurboTax.

When you're done in TurboTax, print out Form 8962 and mail or fax it to the IRS, along with any other items requested in your 12C letter.

If there's a change to your refund amount or the amount you owe, print and send page 2 of your 1040.

Remember:

  • Respond promptly.
    • If you disagree with the IRS, respond with an explanation—and with the item(s) they asked for.
  • You don't need to complete or send a Form 1040X (amended tax return) to the IRS.
    • Send page 2 of your 1040 only if the refund or owed amount has changed.

First, make sure you have a clean copy of your original tax return for your records. If you haven't already saved one, go to Tax Home to print or save a PDF copy.

Note: If your TurboTax navigation looks different from what’s described here, learn more.

Prepare forms

  1. Sign in to your account with the same user ID you used when you filed your 2023 return.
  2. Scroll to the Your tax returns & documents section and select Add a state.
  3. In the left menu, select Federal, then Deductions & Credits.
  4. You may need to answer a few preliminary questions to reach the Your tax breaks section.
  5. Select Show more next to Medical.
  6. Select Revisit or Start next to Affordable Care Act (Form 1095-A).
  7. Answer the questions about your health insurance, which includes entering your 1095-A.
  8. Select Tax Tools (found in the left menu), and then select Print Center.

Print and send

  1. Choose Print, save, or preview this year’s return. You may need to enter info about your driver's license or other state ID.
  2. In the TurboTax Print Center, check the 2023 Federal returns box and select the Just my tax returns(s) option. Select View or print forms.
  3. We'll generate a PDF copy of your tax return. Save or print a copy for your records and label it so you know it's the latest version of your taxes. Print a copy of Form 8962 for the IRS. If your refund or balance due has changed, print Form 1040 too.
    • You can check if your refund changed by comparing line 35a on your original 1040 and the one you just printed. If you had a balance due, check line 37.
  4. Send the following to the IRS address or fax number found in your IRS letter:
    • Form 8962, Premium Tax Credit
    • Copy of your Form 1095-A, Health Insurance Marketplace Statement
    • A copy of the IRS letter that you received
    • Only if the refund or owed amount has changed: also include page 2 of your 1040

First, make sure you have a clean copy of your original tax return for your records. If you haven't already saved one, go to Print Center to print or save a PDF copy. You may want to create a separate copy of your .tax2023 file by going to File and selecting Save As.

  1. Open your return.
  2. Search for 1095-a and select the Jump to link.
  3. Answer the questions about your health coverage.
  4. When you return to the Your 2023 Deductions & Credits screen, select File (top left of screen) and choose Print.
  5. Select Specific Forms.
  6. Select the checkbox for Form 8962 Premium Tax Credit and print it.
  7. If your refund or balance due has changed, print Form 1040: Individual Tax Return too.
    • You can check if your refund changed by comparing line 35a on your original 1040 and the one you just printed. If you had a balance due, check line 37.
  8. Send the following to the IRS address or fax number given in your IRS letter:
    1. Form 8962, Premium Tax Credit
    2. Copy of your Form 1095-A, Health Insurance Marketplace Statement
    3. A copy of the IRS letter that you received
    4. Only if the refund or owed amount has changed: also include page 2 of your 1040

First, make sure you have a clean copy of your original tax return for your records.

  1. Open your return. Select File in the top left of your screen. (The other File refers to your tax return).
  2. Choose Duplicate and enter a new name for your return.
  3. Select the Federal Taxes tab, and then Deductions & Credits.
  4. Scroll down to Medical and select Start next to Affordable Care Act (Form 1095-A).
  5. Follow the screens and enter your information.
  6. When you're done and return to the Deductions & Credits screen, select File (top left of screen) and choose Print.
  7. On the print pop-up screen, select your Federal Tax Return and the All forms & worksheets button, then select Continue.
  8. Open the downloaded PDF and navigate to your Form 8962 to print it. Send the following to the IRS address or fax number given in your IRS letter:
    • Form 8962, Premium Tax Credit
    • Copy of your Form 1095-A, Health Insurance Marketplace Statement
    • A copy of the IRS letter that you received
    • Only if the refund or owed amount has changed: also include page 2 of your 1040

Check out our article I bought MAX, PLUS, or Premium Services and now I'm being audited for more info.

Our TurboTax Audit Support Guarantee gives you free audit guidance from a trained tax professional to help you understand your IRS notice and answer all your audit-related questions.

When you file your taxes with these TurboTax products, you get:

  • One-on-one audit guidance from an experienced tax professional;
  • Year-round answers to your audit questions; and
  • Assistance with what to expect and how to prepare for the audit.

To get started, visit our Audit Support Center.

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