I've been through this exact situation! When I forgot to include my Form 8621 with my mailed return, I ended up doing what several others here suggested - sent the form with a brief cover letter explaining it was meant to accompany my already-filed return. The key things that worked for me: I included my full name, SSN, tax year, and the approximate date I mailed my original return. I also attached a copy of page 1 of my 1040 to help them match it up. Made sure to mail it to the same processing center where my original return went. It took about 6 weeks, but I eventually got a letter confirming they had received and processed the supplemental form. The IRS is actually pretty good at matching up documents as long as you give them enough identifying information. Don't stress too much - this happens more often than you'd think and they have procedures in place to handle it!

I actually dealt with this exact situation two years ago with my Form 8621. Based on my experience, I'd strongly recommend sending the form with a cover letter rather than filing an amended return - it's much faster and simpler. Here's what worked for me: I wrote a brief cover letter stating "Please accept the enclosed Form 8621 as a supplemental attachment to my 2023 Form 1040 filed on [date]. This form was inadvertently omitted from my original submission." I included my full name, SSN, address, and tax year at the top. Most importantly, I attached a copy of the first page of my 1040 (the signature page with all my identifying info) to help them match it. I sent everything via certified mail to the same processing center where my original return was filed - you can find this on the IRS website based on your state and filing method. The whole process took about 4-5 weeks and I got a confirmation letter that they had successfully attached it to my return. Don't overthink it - the IRS processes these supplemental submissions regularly and they have good systems for matching them up as long as you provide clear identifying information.

Anyone know if having a small business (Schedule C) is slowing down returns this year? I filed on Jan 29th and still nothing... getting worried since I see people who filed after me already getting theirs.

I filed my return on February 8th electronically with direct deposit and got my refund in exactly 21 days - right on schedule! This year definitely seems more efficient than last year's disaster. One thing that helped me was using the IRS "Where's My Refund" tool religiously. It updated every few days and gave me peace of mind that things were moving along normally. The key seems to be filing early before the March/April rush and making sure everything is accurate the first time. For anyone still waiting - don't panic if it's been less than 21 days. The IRS is still hitting their processing targets pretty consistently this year from what I can see.

Have you tried calling the marketplace? I kno its a pain but sometimes u gotta wait on hold forever to get this stuff fixed

Just went through this nightmare myself! The key thing is that if you've been on Medicaid all year, you definitely don't need a 1095-A form. That's only for marketplace plans. The rejection is probably happening because the IRS system sees that old 2018 application and thinks you had marketplace coverage. When you refile, make sure to check the box that says you had qualifying health coverage all year (which Medicaid counts as). You shouldn't need to upload any forms for Medicaid coverage.

Direct deposit to credit union accounts is another option. Many credit unions post ACH deposits early too. Mine consistently posts tax refunds 1 day before the official date. Less fees than prepaid cards. More consumer protections too.

I've been using Chime for my tax refunds for the past 3 years and can confirm they're pretty reliable with early deposits. Usually get mine 1-2 days before the DDD. With your April 18th date, I'd expect to see it around the 16th or 17th if the pattern holds. The key thing to remember is that it depends on when the IRS actually sends the payment - sometimes they batch process earlier in the week, sometimes later. I've found that checking your account first thing in the morning (around 6-7 AM) is when deposits typically show up if they're coming early. Good luck with your first prepaid card experience!

Just to add some reassurance - I've been doing taxes for 15 years and the Form 1095-A requirement only applies if you actually received advance premium tax credits through a marketplace plan. If you never enrolled in marketplace insurance, there's literally no way for you to have received these credits, so the IRS has no reason to expect that form from you. The rejections you're seeing are from people who DID have marketplace coverage but forgot to include their 1095-A. You're completely in the clear! 🙂

Another perspective here - I was in the exact same situation last year! Never had marketplace insurance, saw all the rejection posts, and was convinced the IRS was going to reject mine too. Filed anyway and got my refund in like 10 days. The anxiety was way worse than the actual situation. You're overthinking this one! 😄