Claimed Dependents with Marketplace Insurance - Need Form 1095-B but Can't Access

Call the Marketplace directly. Ask for a supervisor. Request Form 1095-B by mail. Explain your guardian status. Reference your DSS case number. Mention the IRS notice. They should help. This happens sometimes. Don't panic yet.

Did you receive any documentation when you became their guardian? The IRS typically requires Form 8332 or court documents showing exactly 6 months + 1 day of care to qualify for dependent status. In my experience, you need to provide 2 separate verification documents: 1 for dependent status and 1 for insurance coverage. Have you checked if your DSS worker can provide you with a signed affidavit stating the exact 274 days of guardianship?

Look, I had this exact same problem last year. Called the Marketplace 14 times and got nowhere. Total waste of time. Finally used Claimyr.com to reach an actual IRS agent who fixed everything in one call. They connected me in 20 minutes when I'd been trying for weeks. The agent told me I needed to file Form 8962 with a special note about guardian status, and they put a hold on any penalties while I got the paperwork sorted. Seriously, save yourself the headache - https://youtu.be/_kiP6q8DX5c

I went through something very similar with my sister's kids last year. The marketplace was frustrating, but what eventually worked was getting a letter from DSS stating I was the "person financially responsible" for the dependents. I brought this letter, along with my guardianship paperwork, to my local Taxpayer Advocate Service office. They were able to, sort of, create a bridge between the systems. It took about 3 weeks, but they eventually got me access to download the forms I needed. The key phrase that seemed to help was specifically asking for "Marketplace coverage verification for a qualifying dependent under temporary guardianship."

According to irs.gov/dependents, you might have a serious issue here. I've been researching this extensively and the Marketplace insurance complicates things significantly. From what I found on healthcare.gov/tax-questions, if someone else enrolled them in coverage, you technically need their consent to access the 1095-B information. Have you checked if there's a legal guardian listed on their Marketplace account? The IRS might reject your dependent claim entirely without this documentation!

Per IRS Publication 501 (2023), Section 3.4, qualifying child status for non-parent relatives requires documentation of authorized placement. Under Treasury Regulation 1.152-4, temporary guardians through state agencies maintain eligibility for claiming dependents when providing over 50% support. The 1095-B requirement stems from ACA compliance verification under IRC 5000A. You should submit Form 911 (Taxpayer Advocate Request) with attachment of your DSS documentation, explicitly citing "hardship due to lack of access to required documentation through no fault of taxpayer" per IRM 13.1.7.2. I appreciate everyone's insights on this complex intersection of dependent care and healthcare verification requirements.