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January 24, 2025
Question

Why is SSA-1099 not free to file if I have no other income or deductions?

  • January 24, 2025
  • 2 replies
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    2 replies

    Employee
    January 24, 2025

    It is free if you only have SSA1099----but if Social Security was your only income, you are not required to file a tax return unless you have a 1095A for marketplace health insurance.  If you have a 1095A, you cannot use the Free Edition---you have to upgrade to a paid version.

     

     

    Or—-Use this IRS site for other ways to file for free.  There are 8  free software versions available from the IRS Free File site

     

    https://apps.irs.gov/app/freeFile/

     

    Or—if you live in certain states you may be eligible to use the new IRS Direct File

     

     

    In Filing Season 2025, Direct File will be available in Alaska, Arizona, California, Connecticut, Florida, Idaho, Kansas, Maine, Maryland, Massachusetts, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Oregon, Pennsylvania, South Dakota, Tennessee, Texas, Washington, Wisconsin, and Wyoming. 

     

    https://directfile.irs.gov/

     

    https://home.treasury.gov/news/press-releases/jy2629

     

    **Disclaimer: Every effort has been made to offer the most correct information possible. The poster disclaims any legal responsibility for the accuracy of the information that is contained in this post.**
    DawnC
    Employee
    January 24, 2025

    That form (SSA-1099) is included in the Free edition of TurboTax.   Use the instructions linked here to downgrade back to the Free edition.    If that is your only income, you probably do not need to file a return.    Do I need to file a return?  

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