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.

I went through this exact same nightmare last month! The key thing to understand is that if you ONLY had employer insurance (1095-C), you should not be indicating anywhere in your tax return that you had Marketplace coverage. The rejection is likely happening because your tax software thinks you're supposed to have a 1095-A form when you actually don't need one. Go back to the health insurance section of your return and make absolutely sure you're selecting "employer-provided coverage" and NOT "Marketplace coverage" or anything related to Healthcare.gov. Sometimes the wording of these questions can be confusing, but if you only had coverage through your job, you definitely don't need a 1095-A. Once you correct this in your software, the rejection should go away when you resubmit.

This is such a common problem, especially during tax season! I went through something similar two years ago. The most important thing to remember is that the 1095-A and 1095-C are for completely different types of insurance coverage. Since you mentioned you have a 1095-C, that means you had employer-sponsored health insurance, not Marketplace insurance. The rejection is almost certainly coming from your tax software, not the IRS directly. Most tax software programs have a section where they ask about your health insurance coverage, and if you accidentally indicated you had Marketplace coverage, the software will expect a 1095-A form. Go back to that section and make sure you're only indicating employer coverage. Also, if you're still having trouble, consider calling the software company's support line - they deal with this exact issue hundreds of times during tax season and can walk you through the fix quickly.

I see you're dealing with this on April 15th which adds extra stress! This is definitely a software issue rather than an actual IRS requirement. Since you have a 1095-C (employer coverage) and the Marketplace confirmed you never had their coverage, the problem is somewhere in your tax software settings. Here's what I'd suggest doing immediately: 1) Go to the health insurance section of your return and look for ANY question that might relate to "premium tax credits" or "advance payments" - sometimes these get auto-filled incorrectly, 2) Make sure you're selecting "minimum essential coverage through employer" and nothing related to Healthcare.gov or state exchanges, 3) If you're still stuck, try starting a completely fresh return - sometimes the software gets confused with saved data. Since it's already tax day, if you can't resolve it quickly, consider filing an extension (Form 4868) to give yourself until October to get this sorted out properly. The good news is this is a very fixable problem once you find the right checkbox!

This is such a frustrating situation, especially on tax day! I went through something very similar last year. Since the Marketplace confirmed you don't have a 1095-A on file and you only have employer coverage (1095-C), this is definitely a software error. The key is finding where in your tax software you accidentally indicated you had Marketplace coverage. Look specifically for questions about "premium tax credits," "advance premium tax credit payments," or anything asking if you purchased insurance through Healthcare.gov or a state exchange. Even if you answered the main health insurance question correctly, there might be a secondary question buried somewhere that's still checked "yes" for Marketplace coverage. I'd also recommend clearing your browser cache or restarting the software completely - sometimes these programs glitch and hold onto incorrect information. If you can't fix it quickly today, definitely file Form 4868 for an extension so you have time to sort this out without penalties. You've got this!