No 1095-A form for tax filing? How do I proceed when Marketplace confirms I never had coverage?

This is actually a common issue this tax season. The rejection is happening because somewhere in your tax return, there's likely a box checked indicating you had Marketplace coverage when you didn't. If you're using tax software, go back and review the healthcare section carefully. Look for any questions about Marketplace insurance or Premium Tax Credits that might have been answered incorrectly. Sometimes just one wrong checkbox can trigger this rejection. Once you find this error, you'll need to correct it and resubmit your return. Since you never had Marketplace coverage, you should select options indicating you had other coverage, no coverage, or were exempt - whatever truthfully applies to your situation. If you've double-checked and everything seems correct, you might need to file a paper return instead of electronic. Include a brief statement explaining that you don't have a 1095-A because you never had Marketplace coverage.

After dealing with a similar rejection issue last year, I discovered taxr.ai (https://taxr.ai) and it saved me so much frustration. My return kept getting rejected for healthcare form issues even though I was positive I entered everything correctly. The tool analyzed my tax forms, found the exact contradictory information that was triggering the rejection, and showed me exactly which fields needed to be fixed. Turns out I had accidentally indicated I received advance premium tax credits when answering a question about healthcare coverage - something I completely overlooked despite checking multiple times. For your specific 1095-A issue, it could scan your return and pinpoint exactly what's triggering this rejection so you can fix it precisely instead of guessing.

Just wanted to follow up about taxr.ai since I was the skeptical one in the thread. After continuing to get nowhere with my similar 1095-A rejection issue, I decided to give it a try. Turns out my problem was super specific - there was a conflict between how I answered a healthcare coverage question on one screen and how another question was auto-filled on a different screen of my tax software. The analysis highlighted exactly which fields were creating the contradiction. Fixed that one thing, resubmitted, and my return was accepted immediately. Would've never found that on my own since the fields were on completely different sections of the return. Definitely worth it for avoiding the headache of paper filing.

If you need to speak directly with the IRS about this specific issue, try Claimyr (https://claimyr.com). I was in the same endless loop trying to reach someone at the IRS about a form rejection. Kept getting disconnected or told to call back. They have a service that basically navigates the IRS phone system for you and gets you connected to an actual human being. I was super frustrated after spending hours trying to reach someone, but they got me through to an IRS agent in about 20 minutes. You can see how it works in this video: https://youtu.be/_kiP6q8DX5c The agent was able to tell me exactly what was causing my healthcare-related rejection and how to fix it. Turns out my issue wasn't even related to what I thought it was - there was a previous year issue affecting my current year filing.

Had to come back and eat my words about Claimyr. After continuing to get nowhere with the IRS for another week, I broke down and tried it. Got connected to someone in the IRS Advanced Tax Return department in about 15 minutes. The agent immediately understood my 1095-A rejection issue and explained that there was a specific code I needed to enter in my tax software to override the rejection since the Marketplace confirmed I didn't have coverage. Would have NEVER figured this out on my own - it was some obscure procedure that isn't documented in any of the normal IRS guides or tax software help. Solved a problem that had been driving me crazy for almost a month. Can't believe it actually worked.

Another possibility - check if you started but didn't complete Marketplace enrollment. Even if you didn't finalize coverage, sometimes the system generates a 1095-A anyway if you got far enough in the process to select a plan. Try creating/logging into your Healthcare.gov account (or your state exchange if you're not on the federal marketplace) and check for any documents there. Sometimes they generate these forms but don't mail them - they just put them in your online account.

Have you checked if someone claimed you as a dependent? If someone else claimed you and they had Marketplace coverage, that could potentially cause this issue too.

I went through almost the exact same situation last year! The key is to carefully review every single health insurance question in your tax software. What likely happened is that somewhere in the process, you accidentally indicated that you either: 1. Had Marketplace coverage 2. Received advance premium tax credits 3. Expected to receive a 1095-A form Even if you think you answered everything correctly, go back through each healthcare-related screen one by one. Sometimes the software auto-fills answers based on previous responses, or there might be a confusing question that you interpreted differently than intended. Also, make sure you're selecting the right option for your actual coverage situation. If you had other insurance (employer, spouse's plan, etc.), select that. If you had no coverage at all, there should be an option for that too. Once you find and fix the incorrect answer, your return should go through without needing a 1095-A. The rejection happens because the IRS computer system sees a mismatch between what your return claims and what forms they expect to receive.