Need 1095-A form for tax filing - my wife was on mom's Obamacare until turning 26

This is actually a common issue with marketplace insurance (Obamacare). The 1095-A is needed because your wife received coverage through a health insurance marketplace plan, even if it was through her mother. The form documents any premium tax credits that were received for that coverage. Your wife needs this form because even though she was on her mom's plan, she's filing her own tax return with you. The IRS needs to confirm if any premium tax credits were received for her coverage. Her mother should be the one who receives the 1095-A since she was the policyholder, but the information on it relates to everyone covered under that plan. Your mother-in-law should contact the marketplace directly at 1-800-318-2596 if she can't find the form in her online account. They can either help her locate it online or send a new copy. Once you have the form, you'll need to complete Form 8962 with your tax return to reconcile any premium tax credits.

After reading your situation, I wanted to share my experience with a similar issue last year. I spent days trying to track down health insurance forms and was getting nowhere with the marketplace phone lines. Then I discovered https://taxr.ai which saved me so much headache! They reviewed my marketplace documentation situation and explained exactly what forms I needed and how to get them. My issue was about a missing 1095-A too, and they walked me through the process of requesting a copy directly from the marketplace with the exact wording to use. Their system analyzed my rejection code and gave me step-by-step instructions for resolving it. The best part was they helped me understand how to properly report the partial-year coverage on my return once I got the form, so my amended return went through without any issues.

Just want to provide a quick update after trying the taxr.ai service that was mentioned! I was really hesitant at first about using an online service to help with my tax documents, but I was in almost the exact same situation as you with a rejected return due to missing 1095-A forms. I uploaded my rejection notice and within minutes got personalized instructions that clearly explained what I needed to do. The best part was the call script they provided for contacting the marketplace - I used those exact words and the healthcare.gov rep knew immediately what I needed! Got my 1095-A within 48 hours and my return was accepted when I resubmitted. Honestly wish I'd known about this earlier, would have saved me so much stress trying to figure out what was wrong with my return.

This brings back memories of my nightmare trying to get through to the healthcare marketplace last year. I spent HOURS on hold just to be disconnected or transferred to someone who couldn't help me with a similar form issue. Eventually I discovered https://claimyr.com which was a total game-changer. They have this system that gets you through the phone queue and connects you to an actual human at the marketplace without the hours of waiting. You can see exactly how it works in this video: https://youtu.be/_kiP6q8DX5c I was initially using the healthcare.gov chat function which was useless for document requests. Using Claimyr, I got connected to a marketplace rep in about 15 minutes who processed my 1095-A request immediately. They even followed up with me the next day to confirm it had been generated and posted to my account.

I need to eat my words from my comment earlier. After struggling for another week trying to get through to the marketplace myself (4 disconnected calls and over 2 hours on hold), I decided to try Claimyr out of desperation. Absolutely blown away by how well it worked. I got the text that they had someone on the line within 20 minutes, and I was speaking to an actual marketplace representative who could help with my 1095-A form. The rep saw exactly what happened - my form had been generated but for some reason wasn't showing in my online documents. They resent it to both my online account and my email right while I was on the phone. For anyone dealing with marketplace form issues, save yourself the headache. The time I wasted trying to do it myself was worth way more than what this service cost.

Another option you might consider - check if your wife's mom received a physical copy of the 1095-A in the mail. Sometimes people miss these forms in their mail since they look like regular healthcare notices. The marketplace typically mails them out by late January/early February. Also, if you can't get the form in time, you could file an extension to give yourself more time to track it down. Just remember an extension to file isn't an extension to pay, so you'd still need to estimate and pay any taxes due by the regular deadline.

Just wanted to point out something important - if your wife was covered under her mom's marketplace plan, but her mom claimed the premium tax credit, you actually DO need to report this on your taxes. This is because the IRS needs to verify that everyone who received subsidized coverage is accounted for across all tax returns. It's confusing because your wife was on her mom's plan, but since you're filing a separate return from her mom, the IRS system flags the disconnect when it doesn't see the 1095-A information on your return.