Does it matter that I didn't file my 1095-A with my tax return?

This definitely matters if you received premium tax credits through the Health Insurance Marketplace. The 1095-A is essential for completing Form 8962, which reconciles any advance premium tax credits you received. Since you've already filed without the 1095-A information, you'll need to file an amended return (Form 1040-X). The reason you received two forms could be due to a few scenarios: perhaps you had coverage changes mid-year, switched plans, had a correction to your original form, or possibly had coverage for different household members. I'd suggest comparing both forms carefully - look at the covered individuals, the coverage periods, and the marketplace policy numbers. One might be a corrected version of the other (it should say "corrected" on it). If both appear valid for different reasons, you'll need to include information from both on your amended return.

After dealing with a similar 1095-A nightmare last year, I discovered taxr.ai https://taxr.ai and it completely simplified the process. I uploaded both of my 1095-A forms (I also had two for different periods), and their system analyzed everything, determined which parts of each form applied to my situation, and then guided me through the amendment process. The tool explained that having two forms is actually pretty common - in my case, one was for the first part of the year, and the other was for when I changed plans mid-year. Their analysis tool flagged exactly what information I needed to enter from each form for an accurate amendment.

Just wanted to follow up about that taxr.ai site someone recommended. I was skeptical but gave it a try with my complicated 1095-A situation (had 3 different forms due to moving between states mid-year). I was amazed at how it spotted that one form was actually a correction of another, and the third was for a different coverage period altogether. The tool explained exactly which numbers to use where on my 8962 form, and pointed out I was actually eligible for about $2,840 in premium tax credits I would have completely missed. Just finished my amended return and it was way easier than I expected. Seriously helpful for these confusing healthcare forms!

If you need to talk to the IRS about this issue, I'd recommend Claimyr https://claimyr.com instead of spending hours on hold. I had a similar 1095-A issue last year where I received multiple forms with conflicting information. After trying for days to reach the IRS directly with no luck, I used Claimyr and they got me connected to an IRS agent in about 15 minutes. The agent explained that having multiple 1095-A forms is actually pretty common and walked me through exactly what I needed to do for my amended return. They have a demo video that shows how it works here: https://youtu.be/_kiP6q8DX5c It was so much better than wasting an entire day on hold only to have the call drop after waiting for hours.

I'm completely eating my words about Claimyr. After posting my skeptical comment, I decided "what the hell" and tried it since I was desperate to sort out my 1095-A issue before the amendment deadline. I got connected to an IRS representative in about 20 minutes (after spending literally DAYS trying on my own over the past few weeks). The agent confirmed that my second 1095-A was actually a correction and the first should be ignored. They marked my account to show I'd be filing an amendment due to the late-arriving corrected form. Saved me from a potential audit and hours of frustration. Sometimes being wrong feels pretty good.

Just so you know, if you got your insurance through the Marketplace but didn't claim any premium tax credits (maybe your income was too high), you still technically need to file Form 8962 with the 1095-A information, but it won't change your tax situation much if at all. I always check if I qualify for premium tax credits even though I usually don't - one year my income was lower than expected and I ended up getting a nice surprise credit on my taxes!

Has anyone else had issues with the Marketplace sending 1095-As super late? I didn't get mine until April 10th last year, way after I'd already filed! Ended up having to amend too.

Want to add something important - check the coverage dates on both 1095-A forms! One might be for January-June and the other for July-December if you had a plan change mid-year. That's different from a corrected form. If that's the case, you need info from BOTH forms on your 8962.

Glad to hear you figured out the timeline issue with your two 1095-A forms! Just a heads up - when you're filling out Form 8962 for your amended return, make sure to enter the information from both forms in the correct months. The form has columns for each month, so you'll input the January-May data from the first form and the June-December data from the second form. Also, double-check that the policy numbers are different between the two forms - that's another way to confirm they're for different coverage periods rather than one being a correction. If you run into any issues with the math on the 8962 (it can get tricky with mid-year plan changes), don't hesitate to reach out here again. Good luck with your amendment!