Have you considered calling your bank first? They might have options to temporarily increase your deposit limit. Or could they accept the deposit and just hold the excess in a separate account? Worth asking before going through the IRS reissue process, which can take weeks. Also, for next year's taxes, could you split your refund using Form 8888 to avoid hitting the limit? Just thinking of alternatives that might be faster than waiting for a paper check.

This is such a frustrating situation! I actually work in banking and see this happen more often than you'd think. Most people don't realize their accounts have daily deposit limits, especially on smaller credit union accounts. The good news is that once your bank rejects the deposit, the IRS system automatically flags it and will mail you a paper check - usually takes about 3-4 weeks in my experience. One tip for the future: you can actually split your refund using Form 8888 when you file. You could put part in checking, part in savings, or even direct some to an IRA. This helps avoid hitting those pesky deposit limits. Also, if you're with a smaller bank or credit union, it's worth calling them to ask about your daily/monthly deposit limits so you know for next time. Hope your check arrives soon!

One thing no one has mentioned yet - if you do claim your daughter as a dependent, you might qualify for the American Opportunity Credit (if she's in her first 4 years of post-secondary education) or the Lifetime Learning Credit (available for graduate school). This could save you up to $2,000-$2,500 on your taxes depending on which credit you qualify for and your income level. Since you paid those administrative fees, those would count as qualified education expenses. Keep all your receipts!

Based on what you've described, you should definitely claim your daughter as your dependent for 2024. Since she's 23, a full-time graduate student, has zero income, and you're providing all her support, she clearly meets all the IRS tests for qualifying child status. One important thing to keep in mind - make sure you have good records of all the expenses you paid for her this year. The $4,000 in administrative fees plus her living expenses should easily put you over the "more than half support" threshold, but it's good to have documentation just in case. Also, don't worry about what happened in previous tax years. Each year is completely independent when it comes to dependent status. The fact that she filed on her own last year when she was working has no bearing on this year's situation. Since she has no income this year, she won't need to file a return at all. You'll just claim her as your dependent and potentially qualify for education credits on those administrative fees you paid. It sounds like a straightforward situation once you understand the rules!

I'm dealing with this exact same issue right now! Had marketplace coverage for 8 months in 2023 and my 1095-A form is completely missing from my Healthcare.gov account. Got the same notification email in January saying it was ready, but nothing shows up when I log in. After reading through all these responses, I'm going to try a combination approach. First calling Healthcare.gov again tomorrow and specifically asking for the Document Services department like DeShawn suggested, then if that doesn't work, I'll contact the Taxpayer Advocate Service that Anna mentioned. It's so frustrating that this seems to be a widespread problem but Healthcare.gov reps act like it's the first time they've heard of it. Really appreciate everyone sharing their solutions here - gives me hope that there are still options to get this resolved before the deadline!

I'm a tax professional who specializes in marketplace issues, and unfortunately what you're experiencing is more common than Healthcare.gov wants to admit. There's actually a specific internal escalation process they use for missing 1095-A cases that most front-line representatives don't mention. When you call back, ask to speak with a "Marketplace Appeals and Grievances" supervisor - this is a different department than regular customer service and they have access to backend systems that can regenerate missing forms. Reference "Case Type: Missing Tax Document 1095-A" and mention that you have proof of the notification email but cannot access the document. If they still can't help, file a formal complaint through Healthcare.gov's online complaint system while simultaneously contacting your state's insurance commissioner. The combination of internal escalation plus external regulatory pressure often gets results within 48-72 hours. As a backup plan, I always recommend my clients prepare Form 8962 using their available documentation (bank statements, insurance cards, premium payment confirmations) and include a detailed explanation letter with their return. The IRS has specific procedures for handling returns filed without complete 1095-A information when taxpayers can demonstrate good faith efforts to obtain the missing documents. Don't let them tell you there's nothing they can do - you have legal rights here and multiple avenues for resolution!

I work in benefits administration and deal with this every year. Here's a simple rule: NEVER have overlapping HSA and FSA coverage, even for a single day. The safest approach is to: 1) Terminate HSA contributions with your last January paycheck (the one paid on/before Jan 31) 2) Start FSA with your first February paycheck Technically, your HSA contribution limit for 2025 will be prorated for just January, so you're only eligible for 1/12 of the annual limit anyway during this year of transition. If you've already maxed out January's prorated amount with your first two January paychecks, you're already at your limit.

This is a great example of why you can't trust HR departments with complex tax rules! I had a similar situation two years ago where my company's benefits team gave me completely wrong information about HSA/FSA transitions. The key issue here is that once you have FSA coverage starting February 1st, you become HSA-ineligible immediately. This means any HSA contribution made after that date - even if it's coded for January - creates a compliance problem because the physical contribution occurs when you're no longer eligible. Plus, as others have mentioned, since you're losing HSA eligibility before December 1st, your 2025 contribution limit will be prorated to just 1/12 of the annual maximum (since you're only eligible for January). If you've already contributed more than that amount in your first two January paychecks, you'll need to request a return of excess contributions anyway. My advice: Stop that final HSA contribution immediately, and double-check that your January contributions don't exceed the prorated limit. It's much easier to prevent these issues than to fix them after the fact on your tax return.

I'm also a non-resident seller and got my ITIN last year. One thing nobody mentioned yet is that many tax treaties only reduce withholding on certain types of income, not all. For example, royalty rates might be reduced but not service income. So even with a tax treaty, understanding exactly what your income is classified as is super important. For non-treaty countries, getting an ITIN is still valuable because: 1) You can file a tax return and potentially get some withholding refunded 2) Some platforms have their own policies that reduce withholding for ITIN holders regardless of treaty status 3) It simplifies any future US tax obligations Just make sure to research the specific policies of your selling platform!

As someone who just went through this process successfully, I can confirm you're absolutely eligible for an ITIN! I'm from a country without a US tax treaty and was in the exact same situation with 30% withholding on my digital product sales. Here's what worked for me: First, you'll need Form W-7 (ITIN application) along with supporting documents that prove your identity and foreign status. The key is including a clear explanation letter stating you need the ITIN because you're receiving US-source income subject to withholding and plan to file annual tax returns. Once you get your ITIN, you'll file Form 1040-NR annually and provide your platform with Form W-8BEN that includes your ITIN. This should reduce or eliminate the 30% withholding depending on your platform's policies. The whole process took about 8 weeks for me, and I went from 30% withholding to around 12% effective tax rate after filing my return. Definitely worth the effort! Just make sure to use a Certifying Acceptance Agent if available in your country so you don't have to mail original documents.