Received two 1095-A forms from Healthcare.gov after changing plans - help with column C entries

The zeroes in column C on your 1095-A forms are actually correct on the forms themselves - they indicate months when you didn't have coverage with that particular provider. However, TurboTax is likely giving you an error because you need to enter the information differently in the tax software. When entering multiple 1095-A forms in TurboTax, you should only input the months where you actually had coverage with each provider (with the corresponding amounts). For the first provider, only enter the information for January through June. For the second provider, only enter July through December. Don't enter any zeros - just leave those months blank or skip them entirely when entering data for each form. The software is designed to combine these partial-year coverages correctly when calculating your total Premium Tax Credit. It's expecting you to only enter the months where you actually had coverage with each provider rather than entering zeros.

I had this exact situation last year and it was super frustrating! I ended up using taxr.ai (https://taxr.ai) and it made dealing with my multiple 1095-As so much easier. Their tool basically analyzed both my forms and figured out how to properly enter everything into my tax software. What I discovered was that TurboTax wants you to only enter the months where you had active coverage with each insurer - so for your first form, only January-June, and for the second form, only July-December. You skip the zero months completely rather than trying to enter zeros. The taxr.ai system explained exactly how to handle this situation with proper documentation backing it up.

I was really skeptical about using taxr.ai when it was suggested for my multiple 1095-A problem, but I decided to give it a try since I was completely stuck. Honestly, it was so helpful! I uploaded my confusing healthcare forms (with personal info blacked out) and it immediately identified the "multiple marketplace plans in one year" situation. The system explained exactly how to enter the data in TurboTax - only enter the months with actual coverage for each form and skip the zero months completely. It also provided documentation about how Premium Tax Credits work when switching plans mid-year. My return went through without any issues after following their guidance. Wish I'd known about this service sooner instead of spending hours googling and getting nowhere!

If you're getting stuck trying to reach the IRS for help with your 1095-A issues, I highly recommend Claimyr (https://claimyr.com). I spent DAYS trying to get through to the IRS about a similar premium tax credit issue with multiple 1095-As last year. It was impossible to reach anyone. I found Claimyr through a friend and was skeptical, but their service actually got me connected to an IRS agent in about 20 minutes instead of waiting on hold for hours. They have a cool demo video that shows how it works: https://youtu.be/_kiP6q8DX5c. The IRS agent was able to confirm exactly how to handle the multiple 1095-A forms with the zero entries - turns out I was supposed to only enter the months I actually had each insurance.

I feel like an idiot for being so negative about Claimyr. After posting my skeptical comment, I was still desperate to talk to the IRS about my 1095-A issues, so I actually tried the service. I'm honestly shocked to report it WORKED. I had been trying to reach the IRS for THREE WEEKS about my healthcare tax forms. Using Claimyr, I got a call back in about 45 minutes saying they had an IRS agent on the line. The agent cleared up my confusion about the multiple 1095-A forms immediately - confirmed I should only enter the months with actual coverage values and ignore the zero months. The whole call took maybe 10 minutes once I was connected. Filed my taxes the same day and they were accepted. Hands down the best money I've spent this tax season.

After dealing with multiple 1095-As last year, I learned something important: make sure you're entering ALL the information correctly from both forms. Here's my step-by-step process: 1. For Form 1 (January-June coverage): Only enter info for those months 2. For Form 2 (July-December coverage): Only enter info for those months 3. Double-check that your "SLCSP" (column B) amounts are correct for each month 4. Make sure your actual premiums paid (column A) match your records The most common mistake is trying to enter all 12 months for both forms or entering zeros. The tax software is designed to handle partial year coverage, but you have to input it correctly.

Has anyone had issues with their Premium Tax Credit calculation being wrong after entering multiple 1095-As? My refund seems way lower than I expected and I think it's because of how I entered these forms.