1095-A After Divorce

Forum|Forum|4 years ago
February 18, 2022
4 replies
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I received a 1095-A for Marketplace health insurance from 2021. The heath insurance policy was only my wife at the time, and she is the only one listed as "covered individual." (I had separate health insurance thru my job at the time.) However I am listed as the "Recipient" on the form in box 4, and my then wife is listed as "Recipient's Spouse" in box 7. The health insurance was for coverage from Jan. 2021 to June 2021 again, for just my wife. We were however then divorced as of Dec. 2021. I am now filing as single as is my now ex-wife. How do we handle this form on our returns? On my return or my ex-wife's? Thank you!

Best answer by AmeliesUncle

@DawnC wrote:
Since you are the recipient, it must go on your return. The Premium Tax Credit has to be reconciled, but you can ''share'' the policy with her tax return.

No, no.

If she is the only covered person on the 1095-A, it ONLY goes on her tax return. It does not matter if you are the "recipient" or not - it does not go on your tax return.

DawnC

Employee

Since you are the recipient, it must go on your return. The Premium Tax Credit has to be reconciled, but you can ''share'' the policy with her tax return. If you have amounts in Column C, you received an advance. After you enter the form on your return, TurboTax will ask you if you want to share the policy with someone else. If you want to move those subsidy payments to her, you can mark that box and enter her information.

You and your ex should agree on what percentage of those amounts you’ll claim on your return, and what percentage she will claim on hers. You can use anything from 0-100%, as long it all adds up to 100%.

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JCMusic251Author

Thank you! One further clarification just to be sure: Everything in Turbo Tax starts out asking if and refers to this as a "shared policy" however again, the policy was completely separate, in my wife's name, and paid for by her. She was the only covered individual. Yet, I am listed as the Recipient. So this still applies as you stated? Last, does my ex-wife need to also file this on her tax return should we split 50/50? Or still if I assume 100% of it? Thank you so much!

lovnart7-gmail-c

I am in this exact same boat. I signed up for health insurance under my now ex husband who did NOT have insurance through the marketplace. The 1095-A has him listed as the recipient and me as spouse. I am the only listed covered and had the premium credits for my policy only. It appears I would be the only one filing this on my single tax return (we are now divorced ) as he did not have a policy covered. Did you find out how to go about this last year? Did she just enter it on her return?

lisacarey5

In these divorce situations you must open 'forms' and go to the 1095A in Turbo Tax and fill in the section below line 33 that asks how to allocate the PTC. Of course, you must also fill out Section 1 and 2, but the "Shared Policy Allocation Section" is how to solve these problems if one or the other of you are on the form and should not be.

lovnart7-gmail-c

JCMusic251Author

Yes. She reported it on her return. If I remember right, I think I finally talked to someone at IRS and they instructed me to do that.

lovnart7-gmail-c

Thank you!! It can be a little confusing.

lisacarey5

Here is how I fixed it...In my case, it was a child's SS number that I claim that was covered by the exhusband on ACA.

My ex carries medical insurance through the ACA for BOTH kids. Sooo, my return kept getting kicked back with e-file reject F8962-070. I figured out that I had to answer 'yes' to did you receive a 1095 A (even though I did not - but, the child I claim is covered by the 1095A), then open the forms section and filled in the 1095A (because the TT program will NOT walk you through this) and filled in the recipient as the ex, then the insured as our child that I claim. Then , I did have his 1095A so I filled in the columns correctly from that form ...and THEN below the columns of months (line 33) there is a small section "Shared Policy Allocation Information Smart Worksheet" in a box that asks how much of the PTC I am splitting with the other person. I put zero 0 in these sections and my ex's social security. Once you put zero 0 in the "Shared Policy Allocation" section you will see your refund amount go back to what it was before you put in the 1095A. This seemed to work as my return was finally accepted after 4 fails and not finding any help on this site or others.

You can solve this by using the "shared policy allocation information smart worksheet" in Turbo Tax by switching to "forms" and opening it manually. Turbo Tax will not prompt you for this problem.