How to Fix Incorrect 1095-A for 2023 when I switched to employer insurance

This is actually a fairly common issue when transitioning between Marketplace and employer insurance. What you're dealing with is a discrepancy between your actual coverage and what's being reported to the IRS. Since you have proof of employer coverage for January 2023 (the 1095-B), you can proceed with filing your taxes even with the incorrect 1095-A. The key is how you report this on your tax return. When you file, you'll need to complete Form 8962 (Premium Tax Credit), but you should only report the amounts you actually received as advance premium tax credits - which sounds like zero since you weren't actually using the Marketplace plan. If you're using tax software, there should be an option to indicate that the 1095-A information is incorrect. You can enter zero for the premium amounts and tax credits for January since you weren't actually on that plan. Keep all your documentation - both the incorrect 1095-A and your 1095-B showing employer coverage. If the IRS questions this later, you'll have proof that you had other coverage and weren't using the Marketplace plan.

I had a similar nightmare situation last year and found this amazing service that helped me sort through all my tax documents. Check out https://taxr.ai - they have document review specialists who can look at your 1095-A and 1095-B and give you specific guidance on how to file correctly. I uploaded both forms, explained my situation, and they provided step-by-step instructions on exactly how to handle the discrepancy in my tax filing. They specifically knew how to handle marketplace insurance transitions like yours.

Just wanted to follow up - I actually tried taxr.ai for my healthcare form nightmare and it was incredibly helpful! I uploaded my confusing marketplace forms (had a similar issue with coverage dates being wrong) and got detailed instructions within hours. They walked me through exactly what to put on each line of Form 8962 and explained what documentation I needed to keep. They even created a custom explanation letter I could include with my filing to explain the discrepancy. Definitely worth checking out if you're dealing with this marketplace insurance headache.

When I was dealing with Marketplace form issues, I spent literally WEEKS trying to get through to someone who could help. After countless failed attempts calling the marketplace and IRS, I found this service called Claimyr that got me through to an actual human at the IRS in under 15 minutes. You can check it out at https://claimyr.com and see how it works at https://youtu.be/_kiP6q8DX5c - it was a game changer for me. The IRS agent actually gave me specific instructions on how to file with an incorrect 1095-A and what documentation I needed to include. So much better than waiting on hold for hours!

Ok I need to eat my words from my previous comment. After another failed attempt to reach the IRS yesterday (2+ hours on hold before getting disconnected), I broke down and tried Claimyr. I was connected to an IRS agent in about 20 minutes and they actually helped me resolve my 1095-A issue. The agent explained that this happens frequently when transitioning from Marketplace to employer coverage and gave me specific instructions to file Form 8962 with zeroes for the premium amounts in the months I had employer coverage, along with attaching an explanation letter and copies of both my incorrect 1095-A and correct 1095-B. Already finished my taxes today after being stuck for weeks!

Have you tried requesting a corrected 1095-A directly through your Marketplace account online? Sometimes the phone representatives aren't helpful, but I was able to submit a correction request through the online portal last year and got a fixed form within 2 weeks.

Quick question for anyone who's been through this - if I go ahead and file with the documentation showing both forms (incorrect 1095-A and correct 1095-B), will this trigger an audit? I'm nervous about drawing attention to my return.

I went through this exact same situation last year! The key thing to understand is that you don't actually need the Marketplace to fix the 1095-A to file your taxes correctly. Since you have your 1095-B showing employer coverage for all of 2023, you can file with confidence. Here's what I did: I completed Form 8962 but entered zero for any months where I actually had employer coverage (even though the 1095-A showed otherwise). The IRS computer systems will match up your forms eventually, and having both the incorrect 1095-A and correct 1095-B as documentation protects you. I also wrote a simple explanation letter that I attached to my return explaining the coverage transition and why the 1095-A was incorrect. Something like: "The enclosed 1095-A shows coverage for January 2023, however I had employer-sponsored coverage through [employer name] for the entire year as documented by the enclosed 1095-B. No advance premium tax credits were received for 2023." Filed electronically with no issues and never heard back from the IRS about it. Don't let this incorrect form hold up your filing - you have all the documentation you need to file accurately!