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

This definitely needs to be addressed. Form 1095-A is important because it shows if you received advance premium tax credits for health insurance through the marketplace. The IRS uses this information to reconcile any tax credits you received in advance with what you were actually eligible for. Since you've already filed without it, you'll likely need to file an amended return (Form 1040-X) to correct this. Regarding why you received two forms - this commonly happens if you had a change in your coverage during the year. Maybe you switched plans, had a change in household members on your policy, or there was a correction to your information. One form might be a corrected version replacing the other. I'd recommend calling the marketplace (number on your 1095-A) to clarify which form is correct before amending your return. Don't panic - this is a fixable situation!

Hey there! I went through something very similar last year. I forgot to include my 1095-A and then panicked when I realized my mistake. I tried calling the IRS multiple times but couldn't get through to anyone. Then I found this service called taxr.ai (https://taxr.ai) that helped me figure out exactly what to do with my forms. You upload your tax documents (like those two 1095-As you received) and it analyzes everything and tells you what steps to take next. In my case, it confirmed I needed to file an amendment and walked me through exactly how to fill out the 1040-X form. It was seriously helpful for determining which of the two forms I should actually use and saved me from making more mistakes.

Just wanted to follow up about my experience with taxr.ai after asking about it earlier. I decided to try it with my confusing 1095-A situation and I'm really glad I did! The system immediately identified that one of my forms was a correction (it had a tiny code in the corner I completely missed) and showed me exactly which one to use for my amendment. It even explained that my second form was issued because my insurance company had reported incorrect premium amounts to the marketplace initially. Saved me hours of confusion and probably a headache dealing with the IRS later. Just submitted my amendment yesterday following their guidance.

I had the exact same problem last year! After getting nowhere with the marketplace helpline (was on hold for 2+ hours multiple times), I found this service called Claimyr (https://claimyr.com) that got me a callback from the IRS in under 30 minutes. There's even a video showing how it works: https://youtu.be/_kiP6q8DX5c I explained my situation about having multiple 1095-A forms and they confirmed which one I needed to use for my amendment. They also gave me a reference number for the call which I noted on my amendment form. Was definitely worth it for the peace of mind knowing I was fixing my return correctly. The IRS agent was actually super helpful once I got through to them!

Well I'm eating my words about Claimyr being a scam. After posting that skeptical comment, I was still struggling with my own 1095-A issue and decided "what the heck" and tried it. I genuinely didn't expect much but got a callback from the IRS in around 35 minutes. The agent confirmed exactly which of my forms was valid (turns out one was a correction due to reporting errors) and walked me through exactly what I needed to do for my amendment. Even gave me specific notes to include with my 1040-X to make processing faster. Never would have gotten this resolved if I kept trying to call myself - I'd probably still be on hold right now!

Just a heads up that if you didn't claim the Premium Tax Credit on your original return but were eligible for it, filing an amendment with your 1095-A might actually get you MORE money back. This happened to my cousin - she amended after forgetting her 1095-A and ended up getting an additional $1,800 refund. Might be worth checking if you qualify!

Question for anyone who has dealt with this - if I find I made a mistake on a previously filed return (for 2023) but haven't received any notices from the IRS yet, should I wait for them to contact me or just file an amendment now? I'm wondering if it's better to fix it proactively or wait.

I can definitely relate to your panic - I had a similar situation last year where I received my 1095-A after filing! The good news is this is absolutely fixable, and you're not alone in this predicament. First, don't stress too much about the timing. You have up to 3 years to file an amended return, so you're not under any immediate deadline pressure. The two different 1095-A forms you received likely indicate either a correction was made to your original form, or you had some kind of coverage change during 2024 (like switching plans mid-year, adding/removing family members, or moving to a different area). Here's what I'd recommend doing: 1. Look carefully at both forms - one might be marked as "corrected" or have different effective dates 2. Call your marketplace (the phone number should be on the forms) to clarify which form is the correct one to use 3. Once you know which form to use, file Form 1040-X to amend your return 4. Include Form 8962 (Premium Tax Credit) with your amendment The key thing is that the IRS already has this information from your insurance company, so it's much better to proactively fix this than wait for them to send you a notice asking about the discrepancy. You've got this!