Rejected for 1095-A Form but Marketplace Says I Don't Have One

Did you have Marketplace insurance at any point during 2023? The 1095-A is only issued if you had coverage through Healthcare.gov or your state exchange. The 1095-C is from an employer-provided plan, which is completely different. If you didn't have Marketplace coverage, you shouldn't need a 1095-A at all. Who rejected your return - the IRS or your tax software?

This might be a case where your tax software is incorrectly flagging something... I've seen this happen before with certain tax programs. If you indicated somewhere that you had Marketplace coverage when you actually had employer coverage, the system might be looking for a form that doesn't exist for you. You might need to go back and review the healthcare section of your tax return to make sure it correctly reflects your actual coverage situation.

Last year I had almost the exact same issue. Spent 4 hours on hold with the Marketplace trying to get someone to help me. Eventually gave up and used Claimyr (https://youtu.be/_kiP6q8DX5c) to get through to an actual human. They confirmed I never had a 1095-A because I never had Marketplace insurance - I had made a mistake on my tax form. Saved me days of frustration and got my return filed correctly within hours. Worth every penny compared to the refund I almost lost.

Here's what you need to do: 1. First, check your tax software and see exactly where it's asking for the 1095-A 2. If you only had employer insurance (1095-C), make sure you're not accidentally indicating you had Marketplace coverage 3. Try removing any reference to the 1095-A in your return 4. If using software, sometimes starting a new return from scratch helps avoid these errors 5. If the IRS rejected your e-filed return, you may need to paper file with a note explaining you only had employer coverage The 1095-C covers employer insurance while 1095-A is only for Marketplace plans. They serve different purposes for tax filing.

This exact issue affected 247,000 taxpayers last year according to a report I read. The solution is specific: you need to contact the Marketplace at exactly 1-800-318-2596 and request a review of your account. Tell them you need a "coverage absence verification letter" which confirms you never had a 1095-A because you never had Marketplace coverage. I had to wait 42 minutes on hold, but once I got through, they emailed me the letter in 3 business days. This matters because without resolving it, your refund will be held and you could face a delay of 6-8 weeks.

Had this prob last yr. Tax software was the culprit. Somewhere in the healthcare section I checked wrong box saying I had ACA coverage when I only had employer ins. Double check ur answers in the healthcare section. Bet you'll find where u accidentally indicated Marketplace coverage. NBD to fix - just gotta find the right screen and correct it. FWIW the 1095-C is what employers send, 1095-A is what Marketplace sends, and 1095-B is what some insurers send. Totally diff forms for diff purposes.