Question

How do I enter 1095-A? Turbo tax won't accept $0 for Col B of rows 21-32 (SLCSP), but I was eligible for employer coverage so I'm not eligble for PTC.

Forum|Forum|3 years ago
April 7, 2023
2 replies
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I tried healthcare.gov/tax-tool, it said my SLCSP was 0 because I was eligible for employer coverage ("Select all months Jason was enrolled in a Marketplace plan and paid the premium. Note: Don't select months Jason was eligible for other health coverage outside the Marketplace)." I don't expect the PTC, but I know that IRS will reject my return without 1095-A, AND I want to deduct all of the premiums, which I paid with after-tax dollars. But Turbo Tax won't take my form, it say "Must be greater than $0" for each column B field.

TurboTax Deluxe Online

AliciaP1

On the 1095-A, column B is the Monthly Premium Amount of Second Lowest Cost Silver Plan (SLCSP), which is never $0 as it represents a premium amount that would have been charged. Column C reflects the Premium Tax Credit you received throughout the year.

You need to enter your 1095-A exactly as the form you received shows. You can get a copy of your form from your Marketplace account if you did not receive it in the mail. If you did not receive a 1095-A (or you received a 1095-B or 1095-C), you should not enter anything on this screen.

Your premiums are deductible as medical expenses (unless you were self-employed) and limited to the amount that exceeds 7.5% of your adjusted gross income. This amount also is only deductible when you itemize your deductions. If you do not enter your 1095-A, the IRS will not reject your return.

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J

jason109Author

Sorry for not replying sooner, I had to go out of town unexpectedly, and I'm now filing my taxes late.

You said, "On the 1095-A, column B is the Monthly Premium Amount of Second Lowest Cost Silver Plan (SLCSP), which is never $0 as it represents a premium amount that would have been charged".

On my form, it is $0 for all months. The cover letter with the form mentions this might happen, and points to the Instructions for Form 8962. That document, as well as the on-screen help in Turbo Tax, say that you can get these figures from HealthCare.gov/Tax-Tool/. However, that tool tells me not to check the box for months where I was eligible for other healthcare. If I don't check the box, that tool reports 0. If I do check the box, I get a non-zero SLCSP amount; when I enter those values into Turbo Tax, it tells me I am eligible for the Premium Tax Credit.

BUT - I was eligible for health insurance through my employer, I just chose to use the marketplace because my employer's plans don't cover any of my doctors. I think that means I'm NOT eligible for the PTC, correct? If so, then I need to leave the SLCSP values as 0, which I cannot do (TurboTax reports an error). Should I just remove the form 1095-A from TurboTax? I can find no place in TT to tell it I was eligible for MEC through my employer.

Critter-3

Ok ... if you have a 1095-A with a non zero amount in column A then you MUST also have an amount in column B even if the form doesn't provide you one. You must get the amount by using this easy to use tool :

https://www.healthcare.gov/tax-tool/#/

D

dhariana07

I added .01 for all months for column B and it worked.

F

Fred-J

I am amended my 2021 NYS return and claimed the Real Property Tax Relief Credit and ran into the same problem with form-1099-A. The original return didn't complain about column B having 0.0.
Your .01 trick worked! Thank you.