I went through this exact situation last year after getting married! It was frustrating at first, but the verification process ended up being pretty straightforward. I used the ID.me online option and was verified within 15 minutes. My refund was delayed by about 2 weeks compared to my typical timeline from previous years. Interestingly, my spouse and I both had to verify separately even though we filed jointly. Have you checked if your spouse also needs to verify but maybe the letter hasn't arrived yet?

Thanks everyone for the helpful responses! This really puts my mind at ease knowing it's selective rather than universal. @ThunderBolt7 your airport security analogy is perfect - that's exactly how I'll think about it now. @Keisha Jackson that's interesting about both spouses needing to verify separately. I'll keep an eye out for another letter for my spouse, though nothing has arrived yet. I think I'll go with the ID.me online verification since several of you mentioned it's much faster than scheduling an in-person appointment. Has anyone had issues with the online verification not working properly, or is it pretty reliable? I'd rather not have to fall back to the TAC appointment if I can avoid it.

I had the exact same issue with my 1095-A in TurboTax this year! After trying multiple fixes, I discovered the problem was with how TurboTax handles forms that have gaps in coverage. My marketplace coverage wasn't continuous - I had coverage January through May, then a gap, then picked it back up in September through December. TurboTax's interface doesn't handle partial year coverage very well, especially when the months aren't consecutive. The fix that worked for me was to manually override the "full year coverage" assumption in TurboTax. When you get to the 1095-A section, look for an option that says something like "I had coverage for only part of the year" or "My coverage wasn't for all 12 months." Once I selected that option and entered only the months I actually had coverage, everything processed smoothly. Also double-check that your SLCSP amounts match exactly - even a $1 difference can cause the software to crash. The marketplace sometimes rounds differently than what TurboTax expects. Hope this helps!

I've been dealing with a similar TurboTax 1095-A nightmare and wanted to add one more potential fix that hasn't been mentioned yet. If you're still getting crashes or error messages, try logging into your Healthcare.gov account (or your state marketplace) and downloading a fresh copy of your 1095-A as a PDF. Sometimes the physical form you received in the mail can have printing errors or the data can get corrupted if it got wet/damaged. I spent two weeks troubleshooting what I thought was a TurboTax bug, only to discover that my mailed 1095-A had a smudged number in Box 33A that I had been misreading. The "6" looked like an "8" due to poor print quality. When I downloaded the clean PDF version from my marketplace account, I could see the correct numbers clearly. Also, for anyone considering the alternative software route - H&R Block's online version has been much more forgiving with 1095-A entry this year. Their interface actually shows you a side-by-side comparison of what you're entering vs. what the form shows, which helped me catch a couple data entry mistakes I was making in TurboTax. The bottom line is don't give up! These 1095-A issues are frustrating but definitely solvable once you identify the root cause.

For future reference - never EVER get your refund through the tax prep company. Always choose direct deposit straight from IRS to your bank. It's faster and you avoid all these SBTPG headaches. The only reason to go through SBTPG is if you're getting an advance or having fees taken out of your refund (which usually means you're paying extra fees).

I'm going through the exact same thing right now! Filed with TurboTax, got the advance, and now I've been staring at that SBTPG trace number for 3 days with nothing hitting my Credit Karma account. It's so frustrating not knowing if the money is just floating around somewhere in cyberspace. Reading through all these comments is actually making me feel better though - sounds like 2-3 business days after the trace number appears is pretty normal. I think I'm going to wait until Monday before I start panicking and calling everyone. Thanks for posting this because I was starting to think something was seriously wrong with my refund!

LPT: If you really need your refund fast and reliable, just select the paper check option. SIKE! That's even worse 😂

Same exact situation here! Filed early Feb through TurboTax, paid fees with credit card, DDD of 3/17 with Varo, and still waiting. It's reassuring to see others in the same boat. From what I'm reading in the comments, it sounds like Varo might not be releasing funds early like they used to. I'm going to try to be patient until the actual deposit date before I start panicking. The stress is real though when you have bills waiting! 🤞

This happened to me too! They offset $2,800 of my refund for old Pell Grant overpayments that I had completely forgotten about. The frustrating part is that they sent the notice to an address I hadn't lived at in 3 years, so I had zero warning. What really helped was using taxr.ai to understand exactly what was happening with my transcript - it broke down all the codes and showed me that I could apply for a compromise offer since I'm currently unemployed. The $4.99 was totally worth it because it saved me from calling around to different agencies trying to figure out what my options were. Now I'm working on getting the remaining balance reduced through their hardship program. Don't give up hope - there are definitely ways to work with them even after the offset happens!

Ugh, I feel your pain! They just took $2,850 from my refund for old student loans too - was counting on that money for car repairs 😤 The worst part is I moved twice during COVID and never got any notice. What I've learned from reading all these comments is there's actually hope even after they take your money! I'm definitely calling that Default Resolution Group number everyone's been sharing (1-800-621-3115) to get on a rehabilitation program. Seems like most people here got payment plans around $50-150/month based on income, which is way better than losing thousands every tax season. Also going to check out that taxr.ai tool people mentioned - for $4.99 it sounds like it breaks down exactly what's happening and what options you have. Thanks everyone for sharing your experiences, makes me feel less alone in this mess! We got this 💪