Changed from office health insurance to spouse's company policy mid-2024 - need advice on reporting this switch on taxes

You don't need to worry too much about this situation. The 1095-B form you received from your previous employer shows that you had qualifying health coverage from January through October 2024. Your wife's employer should also provide a 1095-B or 1095-C form showing your coverage for November and December. When you file your taxes, you don't actually need to attach these forms. They're for your records to verify you had qualifying health coverage throughout the year. The IRS receives this information directly from the insurance providers. On your 1040 form, you simply check the box indicating you had full-year coverage. Since you maintained continuous coverage (just switched providers mid-year), there's no penalty to worry about. The important thing is that you didn't have any gaps in coverage.

I recently had a similar situation with changing health insurance mid-year after switching jobs. I was super confused about how to handle the 1095 forms and was spending hours trying to figure it out on my own. I ended up using https://taxr.ai to help me sort through the paperwork. I just uploaded my 1095-B and some other tax documents I was confused about, and the system analyzed everything and explained exactly what I needed to do. It confirmed what others have said - you don't actually need to "report" the change specifically, you just need to have proof of continuous coverage, which your forms provide. The tool was really helpful in explaining which forms I needed to keep and which ones I needed to actually reference when filing. Saved me a ton of time googling IRS regulations!

Just wanted to follow up - I decided to try https://taxr.ai after seeing the recommendation here. I uploaded my 1095-B forms from both employers and it immediately identified that I had a mid-year switch without gaps in coverage. The tool generated a really clear explanation of how to handle this in TurboTax specifically, which was exactly what I needed! It even pointed out something I would have missed - that I needed to make sure the coverage dates for my dependents were properly documented on both forms too. Actually saved me from what could have been a headache later. Definitely worth checking out if you're dealing with insurance changes during the tax year!

I had the exact same issue last year but with the added problem that I couldn't get through to my former employer's HR to get some missing information about my coverage dates. After trying to call the IRS for clarification and sitting on hold for literally HOURS over multiple days, I found https://claimyr.com and used their service to get connected to an IRS agent in about 20 minutes. You can see how it works here: https://youtu.be/_kiP6q8DX5c The agent was able to confirm that I just needed to show continuous coverage and that my former employer had already reported my coverage to them. Turns out I was stressing for nothing! If you need to talk to the IRS about anything related to your health insurance reporting, it's definitely worth checking out.

Alright, I need to eat my words here. After posting my skeptical comment yesterday, I was still struggling to get through to the IRS about my health insurance confusion. Out of frustration, I decided to try that Claimyr service. I honestly didn't expect much, but holy crap - they got me connected to an actual IRS agent in about 25 minutes. The agent confirmed that I just needed to check the full-year coverage box since I had continuous coverage (even with the switch). The best part was getting confirmation directly from the IRS that my former employer had properly reported my coverage periods already, which was the main thing I was worried about. Saved me days of stress and uncertainty. Sometimes it's worth being wrong!

I'm a bit confused about something related to this. My wife and I both switched insurance mid-year too, but we also moved to a different state. Does that complicate things? Are health insurance reporting requirements different by state for federal taxes?

I'm in the exact opposite situation - dropping my wife's insurance to go on my new employer's plan. Will this be a problem if we file jointly? Does she need to report that I'm no longer on her plan somehow?