Please help- Need advice on allocation percentages for shared Marketplace coverage
My ex-husband enrolled our son in a Marketplace health plan for 2025 (our divorce decree states he should provide health coverage) and he did receive advanced payment of the premium Tax Credit.
I input the 1095-A form and run the numbers allocating different percentages. When I allocated 100% to me, it took out about $3,000 from my refund, making it negative. When I allocated 0%, it didn't alter my refund but at the time I tried to file electronically, I hit a system error stating: "The irs won't allow returns to be e-filed that have no premiums, slcsp amounts, or advance payment amounts on form 1095-a after any shared allocations."
Can someone please advise on what's a fair allocation percentage? My ex is in charge of paying for health coverage for our son, but it looks like I'll have to repay the credit he was given if I allocate any percentage but zero. On the other hand, if I allocate zero and mail my paperwork, I'm afraid it could be rejected.
This is my first time dealing with this issue, any advice will be greatly appreciated.