Question about 1095-A (healthcare) and filing jointly

Forum|Forum|6 years ago
February 27, 2020
1 reply
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I got married this year and I am filing jointly with my wife.

I had a health plan through healthcare.gov last year. Based on my projected income for 2019, I was give roughly a total of $500 in credit last year.

My income was about what I projected, however, when I input my 1095-A, my refund goes down about $500 (it removes all benefits I received in 2019)

Is this somehow also taking my wife's income into account and basically saying I made too much to receive that credit? Or could I be doing something else wrong? Do we have to file separately for me to get the 1095-A benefit?

Thank you for any help.

LeonardS

Yes, your wife's income is being taken into account. When you Premium Tax Credit is calculated it is based on the Household Income. If you were to file separately your Household Income would not change.

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avigo45Author

Thank you for the fast response!

We got married November last year. The healthcare premium only applied to me. My wife had insurance through her work.

How do I keep the premium I was given? Or does getting married at any time in 2019 mean I automatically lose the premium because legally our incomes have to be combined (wither filing jointly or seperately)?

LeonardS

Yes, it does not matter when the additional income was added to the household income. The income is not prorated over the entire year. It is the total income at the end of the year. If the income was received on December 31 it is treated the same as if it were evenly received throughout the year.

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