I'm seeing alot of zeros on mine too. Called IRS and was on hold for 2hrs just to get hung up on 🤡

Same thing happened to me last year! All zeros across the board even though I had W2 income. Turns out the IRS was just behind on processing - took about 3-4 weeks for my transcript to update with the actual numbers. Since you mentioned self-employment income, make sure all your 1099s were filed correctly by your clients. Sometimes if there's a mismatch between what you reported and what was filed, it can cause processing delays. Don't panic yet, but definitely keep an eye on it and maybe call if it doesn't update in the next couple weeks.

I'm really grateful I found this discussion as someone who's completely new to navigating health insurance and tax issues. Reading through everyone's real experiences with Medicaid/Marketplace overlaps has been such a relief - I had no idea this was such a common situation or that there were built-in protections like repayment caps. What's particularly helpful is seeing the actual numbers people dealt with (like owing $1,600 but only paying back $900 due to income-based caps) rather than just vague reassurances. It's also eye-opening how customer service reps can make these situations sound dramatically worse than they actually are - the contrast between their scary language and the reality of routine IRS tax reconciliation is pretty stark. As a newcomer to these systems, I'm struck by how poorly the different agencies communicate with each other. The fact that you can be completely transparent about existing coverage when applying for Medicaid and still accidentally create this overlap problem shows there are real gaps in how these programs work together. But knowing that thousands of people handle this through normal tax filing procedures every year, and that it's administrative paperwork rather than a criminal matter, makes the whole thing feel much less intimidating. Thanks to everyone for sharing such detailed, honest experiences - this kind of firsthand information is incredibly valuable for those of us still learning to navigate these complex systems!

I just wanted to add my voice to everyone else's reassurance - you are absolutely NOT facing jail time or criminal charges over this! As someone who went through a very similar situation about 6 months ago, I completely understand that panic you're feeling. I had overlapping Medicaid and Marketplace coverage for about 4 months, and like you, nobody at the Medicaid office mentioned this would be a problem when I disclosed my existing insurance. When I found out about the premium tax credit issue, I was convinced I was going to be in serious legal trouble. Here's what actually happened: When I filed my taxes, I completed Form 8962 for the premium tax credit reconciliation. I technically owed back about $1,400 in tax credits for those overlap months, but because my income was around 270% of the federal poverty level, the repayment cap applied and I only had to pay back $900 instead of the full amount. The whole thing was handled as routine tax paperwork - no investigations, no criminal charges, no drama at all. The IRS processes thousands of these cases every year because this overlap situation is surprisingly common due to poor communication between agencies. My advice: Keep your current Marketplace tax credits since you no longer have Medicaid and are properly eligible for them now. Document which months you had both coverages (June-August), and when you file your 2025 taxes, Form 8962 will handle all the calculations automatically. This feels like a nightmare right now, but it's really just administrative paperwork that will resolve itself through normal tax filing. You're going to be just fine!

anybody else's WMR still showing processing even with a DDD?

Same boat here with CK and 2/10 DDD! Based on past years they usually drop it Saturday night/Sunday morning so fingers crossed we see something tomorrow. The anticipation is killing me too 😩

I went through this exact nightmare last year! Those codes basically mean the IRS hit the pause button on your refund while they double-check something. The 971 code is supposed to mean they sent you a letter explaining what they need, but honestly their mail system is trash - I never got mine either. Since you mentioned switching jobs and claiming EIC for the first time, that's 100% what triggered this. Their computer system sees "income change + new credit claim" and automatically flags it for human review. It's super common but incredibly frustrating when you're waiting for your money. Here's what I learned the hard way: don't just sit and wait for that mysterious letter. After 3 weeks of nothing, I called the IRS directly (used one of those callback services to avoid the hold time hell) and the agent told me exactly what they needed - just income verification from my employers. Once I provided that, my refund was released within a week. The key is getting a real person on the phone who can actually see what's holding up your return. The transcript codes tell you there's a problem but not what KIND of problem. Save yourself weeks of anxiety and just call them!

I'm in the EXACT same boat - filed in February, got those dreaded 570/971 codes in March, and still waiting! The lack of clear communication from the IRS is maddening. Based on everything I've read here and my own research, it sounds like your first-time EIC claim combined with the income increase definitely triggered an automatic review. The IRS computer flags these patterns as potentially fraudulent (even though you're totally legit) and puts a human review hold on your refund. The 971 code means they supposedly mailed you a notice, but like half the people here, you probably won't get it or it'll arrive super late. The 570 code is the actual freeze on your refund while they verify your income against what your employers reported to them. From what I've seen, you have a few options: 1. Keep waiting for the notice (could be weeks or months) 2. Call the IRS directly (good luck getting through) 3. Use one of those callback services people keep mentioning 4. Wait it out and hope it resolves automatically I'm probably going to try calling soon because this waiting game is killing me. My bills don't care that the IRS is "processing" my return! Keep checking your transcript for code 571 - that means the hold has been released. Once you see that, your refund should process within 1-3 weeks. Hang in there! 💪

I was in the same boat as you last month - expired license and couldn't use ID.me. Calling that verification number was like trying to win the lottery, but I finally got through on my fifth attempt. The trick is to call right when they open at 7am. It's like trying to get concert tickets the moment they go on sale. I got my identity verified and my refund showed up 16 days later. Hang in there!

I went through this exact same nightmare in January! My license had expired right before I needed to verify, and ID.me was a complete dead end. Here's what worked for me: Call 800-830-5084 at exactly 7:00 AM your local time - I'm talking have your phone ready to dial the second the clock hits 7. I tried calling later in the day multiple times and gave up after 60+ minute waits, but the 7 AM call got me through in under 20 minutes. Have these ready: your SSN, filing status, exact AGI from your 2022 and 2023 returns, and your address from those returns. They also asked me about a previous address from like 5 years ago (super random but they have access to credit bureau info). The whole verification took about 25 minutes, and they gave me a confirmation number at the end - definitely write that down! My refund was released exactly 19 days after the call, even though they said it could take up to 9 weeks. Good luck with your apartment application - the timing stress is real!