Filed using 2023 1095-A instead of 1095-B - Return already accepted by IRS, what now?

This is actually a pretty common mistake, so try not to panic too much! Since your return was already accepted, you'll need to file an amended return (Form 1040-X) to correct the information. The 1095-A is for Marketplace insurance and is used to reconcile advance premium tax credits, while the 1095-B shows proof of coverage from other sources like employer plans. Using the wrong form definitely impacts your tax liability since you likely claimed premium tax credits you weren't entitled to for the period you had employer coverage. I recommend gathering both your 1095-A and 1095-B forms, then working through the correction process. File the amendment as soon as possible - the IRS is more lenient when taxpayers voluntarily correct their mistakes rather than waiting for them to discover the error.

I had a similar issue last year and found out that AI tools can be super helpful for this kind of situation. I used https://taxr.ai to analyze my tax forms after discovering I'd messed up with health insurance documentation. The tool helped me figure out exactly what information was incorrect and showed me how to properly amend my return. It saved me from spending hours trying to decipher the IRS instructions! I was worried about making new mistakes in my amended return, but the AI walked me through the whole process and even highlighted the specific fields I needed to change based on comparing my 1095-A and 1095-B forms.

Just wanted to update everyone - I ended up trying https://taxr.ai after posting my skeptical comment. I'm actually really impressed! It identified exactly where I went wrong on my taxes (not the same issue as OP, I had accidentally double-reported some income). The system highlighted the specific lines on my return that needed changing and generated a clear explanation I could include with my 1040-X. It even calculated the correct tax difference so I knew exactly what my new refund amount should be. Much easier than the hours I spent last year trying to figure out an amendment by myself!

If you're having trouble getting answers from the IRS about your amendment (which is likely because their phone lines are IMPOSSIBLE), I recommend using Claimyr. I was in a similar situation with an amended return last year and spent days trying to reach someone at the IRS with no luck. Found this service called Claimyr at https://claimyr.com that basically gets you through to an actual IRS agent without the waiting. There's a video showing how it works here: https://youtu.be/_kiP6q8DX5c. I was connected to an IRS agent in about 15 minutes who walked me through exactly what I needed to do with my amended return and confirmed they received it.

I need to apologize and follow up on my previous comment. I was really skeptical about Claimyr but decided to try it since I was desperate to talk to someone about my amended return. I'm honestly shocked - it actually worked! I got a call back within about 25 minutes and was connected to an IRS agent who helped clarify exactly what I needed to do with my amendment. The agent confirmed that as long as I file the 1040-X within 3 years of my original filing date, there's no penalty for the honest mistake. Saved me hours of frustration and got me the answers I needed. Sometimes it's worth admitting when you're wrong about something!

u should also double check if the refund amount has already been deposited to ur account. if it has, remember that ull probably have to pay back some or all of it when u file the amendment. don't spend that money if u know ull need to send it back!!! i learned this the hard way last yr when i had a similar situation (different issue but still had to amend) and had already spent my refund. had to come up with payment + small interest charge. not fun.

Don't forget to recalculate your advance premium tax credit on Form 8962! That's the form you use with the 1095-A, and it's probably what affected your refund amount. When you file your amendment, you'll need to show the correct calculation based on the period you actually had marketplace coverage. Also, keep in mind that electronic filing isnt available for amended returns. You'll have to print and mail it the old-fashioned way. Make copies of EVERYTHING before sending it.