I was covered under my parents health plan. I did not receive a 1095-A but am listed on my parents' 1095-C. Do I just check NO for receiving a 1095-A?

Forum|Forum|6 years ago
June 4, 2019
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TurboTax Free Edition Online

Best answer by ChrisJ

Correct. If you were not enrolled in a qualified health plan through the Marketplace and did not receive a 1095-A, you do not have a requirement to report details of your insurance plan on your tax return.

The 1095-B and 1095-C forms are for informational purposes only and should be safely kept in your records - they provide the evidence of your insurance coverage.

When TurboTax asks 'Did you have health insurance?', you will simply answer 'yes' and indicate which months you were covered.

ChrisJAnswer

Stacey1220

I do not have a 1095-A My employer proved insurance. My return is getting rejected with out a 1095_A——Why

SharonD007

Your tax return may have been rejected because someone on your tax return had health insurance through the marketplace. You can check with your Marketplace website or healthcare.gov to verify if anyone on your tax return was covered.

Another reason your tax return could have been rejected is because Forms 1095-A and 8962 are included on your tax return. To delete these forms from your tax return, follow the instructions below.

Launch TurboTax
Select TaxTools in the menu on the left
Select Tools
Select Delete a Form
Scroll down until you see Forms 1095-A and 8962 and delete both
Return to your tax return and review.

This should eliminate the error but if it doesn’t, please contact us again.

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gravesjhazen54

My son files separately. He is a "covered individual" in an ACA plan. My wife and I are the "recipients" and received a 1095-A. We will complete info in TurboTax indicating monthly premiums paid, etc. Does my son indicate that he did not receive a 1095-A since he wasn't the recipient and didn't pay the premiums? Or, must he also indicate he received a 1095-A. The standard "Learn more" explanations make it uncertain since my son does meet the criterion of being covered by the plan, but isn't the "recipient".

ReneeM7122

Yes, you should check NO for receiving a 1095-A. In the initial interview questions you should have answered a question about whether you can be claimed or were claimed as someone else's dependent. Since you would have indicated YES, the software will remember that answer later and it will know that you are exempt from the health care requirement anyway.

@lostkey

ahovagim

Like the original post, I am no longer a dependent but I am on a family healthcare plan through Covered California via my parents. I didn't receive a 1095-A, but my name is on my parent's 1095-A. Do I need to be using my parent's form 3895 to complete my state tax return?

MaryM428

If you are on your parent's 1095-A, then you also report 1095-A on your tax return. You need to agree with your parents on what percent of the 1095-A your will be responsible for. It can be 100% for them and 0% for you or whatever you both agree to.

Both you and your parent's will mark that you are on a 1095'A with another person who is not on the return. You will need their social security numbers.

The only requirement are that all parties agree to the percentages taken and that the percentages add up to 100%.

@ahovagim

Kyara_K

No text available

RobertB4444

The 1095-A was sent to your parent to show how much the health coverage was for everyone that they are covering. You are supposed to take the form and divide it up between the individuals on the form who are filing separate returns.

So in your example if you and your mother are the only two people covered by the 1095-A you would divide the amounts in half and put half on your return and half on her return. If your mother also had a sibling of yours on her insurance and claimed that sibling on her return then you would divide the amounts on the 1095-A by 3 and put one third on your return and two thirds on your mother's return.

The IRS may reject your return and it may reject your mother's return. But putting the incorrect amounts in the 8962 will almost certainly delay the processing of your return as someone will have to check the amounts and figure out if they are correct or not. At this point, since you have already filed your return, you should wait until the IRS has finished processing it and either issued you a refund or sent you a letter. Once that has been done then you can file an amended return to correct the amounts from the 1095-A.

@Kyara_K

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