Rather confused

kitkat_2025

Hi friends. This is my first time filing my taxes because I am a university student that's running low on cash.

I was really happy because I thought it was rather easy because I was a W-2 employee for my part-time job and my internship. My sister is also in the same situation (university student, part-time job w-2 employee) We thought it would be quick to just upload the W-2 and be done with it.

However, the IRS rejected my submission due to the marketplace healthcare addition. I need to add the 1095-A form. My father received this form because he is the policyholder. He is declaring this on his return so I didn't think I would have to. When I would go to my CPA they never asked me about this and we also had marketplace last year.

Can someone please clarify how I should proceed? Sorry if these are silly questions. I'm new to filing taxes and it makes me nervous when it comes to these federal things.

KeriC

The IRS expects you to include Form 8962 with your return if you or anyone else in your tax family had health insurance provided through the federal Marketplace. If someone outside of your tax family (such as your dad if you're not his dependent) received the Form 1095-A, but you are listed on that policy, you will need to add that 1095-A information to your return and allocate it between your return and the recipient's return. If you did not pay any of the premiums or receive any of the Premium Tax Credit for that policy, please enter the 1095-A information as follows:

1. Go to the top menu bar and click on DEDUCTIONS/CREDITS
2. Click on "Marketplace Health Insurance (Form 1095-A)"
3. Answer YES (someone had Marketplace insurance), then continue
4. Answer the questions and continue until you arrive at the page asking if you need to enter any Health Insurance Marketplace statements, where you will click the '+ Add a 1095-A' button
5. On the "Marketplace Statement Information (Form 1095-A)" page, indicate that YES, you need to allocate your premiums on this form between two different tax returns and that YES, the form includes coverage for the full year with no changes, then continue
6. Continue to the "Enter your health insurance info from Form 1095-A" page and enter the information on the 1095-A page as it shows on the form you or the other taxpayer received
7. For the "Shared Allocation" portion of that page, enter 0% (assuming the other taxpayer is reporting those amounts on their own return)
8. Fill out all other information as shown on the 1095-A, then save and continue

For an example see this Community Article, https://community.freetaxusa.com/kb/articles/159-how-do-you-allocate-premiums-on-form-1095-a-if-you-have-a-policy-shared-by-a-parent-and-a-non-dependent-child?

This will include Form 8962 with your return, but show you paid no portion of the premiums for the policy and have not received any of the premium credit for that policy.

For additional information from the IRS see:
https://www.irs.gov/newsroom/how-to-correct-an-electronically-filed-return-rejected-for-a-missing-form-8962