Need 1095-A form from parents for tax filing but they refuse to provide it - marketplace insurance rejection

Yes, you absolutely need the 1095-A form if you're covered under a Marketplace plan - even if you don't pay for it and even if you're listed as a dependent on someone else's plan. The IRS requires this information to verify health insurance coverage. The likely reason your dad's CPA advised against giving it to you is because there could be Premium Tax Credit implications. If the tax credit was applied to lower the monthly premium payments, reporting the 1095-A information on multiple tax returns could potentially trigger issues with the IRS. However, that doesn't change the fact that you need this information to file properly. One solution is to ask your dad if you can sit down together and just get the information from the form without actually taking possession of it. You'll need specific details like the policy number, coverage months, and premium amounts to enter into your tax software.

After dealing with a similar marketplace insurance situation with my parents, I found this amazing service called taxr.ai (https://taxr.ai) that helped me sort through all the confusion about 1095-A forms. They have a document analyzer that can review your specific situation and tell you exactly what forms you need and why. I uploaded the correspondence I had from the IRS about my rejected filing plus some screenshots of my coverage details, and they explained exactly why I needed the 1095-A and gave me specific language to use with my stubborn dad. The explanation they provided finally convinced him to share the form with me. They also gave me instructions on exactly what information I needed from the form if my dad wasn't willing to give me the whole document, which was super helpful!

I wanted to follow up about taxr.ai since I ended up trying it after my last post. I was super skeptical at first, but my situation with my mom refusing to provide my brother's 1098-T form was driving me crazy. Uploaded my rejection notice and some emails between us, and within a day I got back a detailed explanation of exactly what information I needed and WHY I needed it. They even provided a PDF with the specific IRS guidelines that I could share with my mom. The best part was they outlined three different ways I could handle the situation based on whether my mom provided full or partial information. Ended up getting this resolved without any more family drama! Worth every penny.

If you're still having trouble getting your dad to provide the 1095-A form, I'd suggest trying Claimyr (https://claimyr.com). I was in a similar situation and couldn't get a straight answer from my family OR from the IRS website about marketplace insurance forms. I tried calling the IRS directly but kept getting stuck on hold for hours. Claimyr got me through to an actual IRS agent in about 20 minutes who confirmed I needed the form and explained exactly why. They have a cool demo video showing how it works here: https://youtu.be/_kiP6q8DX5c The IRS agent I spoke with was actually super helpful and sent me documentation I could show my parents explaining why I needed certain information from their 1095-A even though I don't pay for the insurance.

Ok I need to eat my words about Claimyr. After posting my skeptical comment, I was so frustrated with my own tax situation that I decided to try it anyway. I had been trying to reach the IRS for THREE WEEKS about a similar insurance form issue. Used the service yesterday afternoon and got a call back in about 35 minutes. Spoke to an actual IRS agent who confirmed that yes, I absolutely needed the 1095-A information even though I don't contribute to the premium costs. The agent explained that they use this form to verify coverage and ensure nobody is getting double tax credits. The agent even sent me an email with official IRS guidance that I could forward to my stubborn family member. Problem solved in one day after weeks of frustration!

Another option is to go directly to the Marketplace website (healthcare.gov) and create your own account. You might be able to access your coverage information there even if you're not the primary policyholder. My husband was able to see his coverage details this way last year. Also, if your dad won't budge, you can file Form 4868 for an extension which gives you until October to file. That at least buys you time to sort this out without late filing penalties, though you'd still need to pay any taxes owed by the regular deadline to avoid interest.

Has anyone tried getting the 1095-A information directly from the health insurance company rather than from parents? When I had a similar issue, I called the insurance provider and explained my situation. They were able to verify my identity and send me the coverage details I needed for my portion of the plan.

I went through this exact same situation last year with my parents' Marketplace plan. The frustrating thing is that you absolutely DO need the 1095-A information to file correctly, but your dad's CPA might be worried about Premium Tax Credit complications. Here's what worked for me: I contacted the IRS Taxpayer Advocate Service (it's free). They helped me understand that I needed specific information from the 1095-A - like the monthly premium amounts and coverage dates - but I didn't necessarily need the physical form. They even provided me with a letter explaining the legal requirement that I could show my parents. The key insight was that even though you don't pay for the insurance, the IRS needs to verify your coverage to ensure you're not incorrectly claiming exemptions or credits elsewhere on your return. Your dad's concern about the CPA's advice might be valid from his perspective, but it doesn't change your legal obligation to report the coverage. One compromise that worked for us: my parent agreed to sit with me while I filled out the relevant tax software sections, reading the information directly from their form without giving me a copy. This satisfied both the legal requirement and their CPA's concerns about document sharing.