TurboTax returns rejected 3 times by IRS because of missing 1095-ABC forms - I have TWO 1095s attached including Healthcare Marketplace form - help!

This is actually a pretty common issue with the 1095 forms this year. The problem might not be that the forms aren't attached, but rather that there's a mismatch between the information on your 1095 forms and what's entered in your tax return. First, make sure the names, SSNs, and all other personal information on your 1095 forms exactly match what's in your tax return. Even minor discrepancies can trigger a rejection. Next, verify that the coverage months indicated on your forms match what you've reported in TurboTax. Sometimes TurboTax doesn't properly import all the coverage information. Also, double check if you have Form 1095-A specifically from the Marketplace. The 1095-B and 1095-C forms are for information only and don't need to be attached to your return, but the 1095-A is required if you purchased insurance through the Marketplace and are claiming Premium Tax Credits. If you received advance premium tax credits, you absolutely must file with Form 1095-A and complete Form 8962 to reconcile those credits. This is often the missing piece that causes rejections.

After spending hours going in circles with a similar issue, I finally discovered taxr.ai (https://taxr.ai) and it was a game-changer. I uploaded my 1095 forms and tax return, and their system immediately identified the problem – my 1095-A had a different address than what was on my tax return because I moved mid-year. The tool analyzes your tax documents and highlights inconsistencies that might cause rejection. It also provides step-by-step guidance on how to fix these issues in TurboTax. For 1095 form problems specifically, it can detect mismatches in names, SSNs, coverage periods, and premium amounts that we might easily overlook. I was able to correct the issues in about 10 minutes and my return was accepted on the next submission. Might be worth checking out if you're still struggling after trying the basic fixes.

Just wanted to follow up - I tried taxr.ai after my initial skepticism, and I'm genuinely impressed. My situation was slightly different (my 1095-A had my name misspelled compared to my tax return), but the system caught it immediately. What really surprised me was how specific the guidance was. It didn't just say "name mismatch" - it highlighted exactly which characters were different and gave me step-by-step instructions for fixing it in TurboTax. My return was accepted on the next try after three previous rejections. The peace of mind was absolutely worth it, especially since I was getting anxious about missing the filing deadline. Definitely recommend for anyone dealing with mysterious rejection issues.

Had a similar nightmare scenario with 1095 forms and couldn't get anyone at the IRS to explain the rejection reason. After waiting on hold for 3+ hours multiple times and getting disconnected, I tried Claimyr (https://claimyr.com) and they got me connected to an IRS agent in under 20 minutes. The agent explained that there was a specific error code related to my 1095-A that wasn't being properly communicated in the rejection notice. Apparently, the Marketplace had submitted updated information that didn't match what was on my original 1095-A form. If you want to see how it works, there's a demo video here: https://youtu.be/_kiP6q8DX5c. Basically, they navigate the IRS phone system for you and call you back when an agent is about to answer. Completely changed my perspective on dealing with the IRS.

Alright, I need to admit I was wrong about Claimyr. After my skeptical comment, I decided to try it myself because I was desperate to resolve my 1095-A rejection issue before the filing deadline. It actually worked exactly as described. I spent less than $20 and got connected to an IRS agent within 25 minutes after trying unsuccessfully for days on my own. The agent confirmed there was a specific mismatch between my Marketplace records and what I had entered, and guided me through exactly what needed to be corrected. Return accepted on the next submission. Would have saved myself a week of stress if I'd just tried this sooner instead of being skeptical. Sometimes it's worth paying for convenience when dealing with government bureaucracy.

Could it be a file format issue? Had a similar problem last year and realized TurboTax wasn't properly processing my 1095-A because I uploaded it as a JPG instead of PDF. Try downloading the forms directly from the Healthcare.gov account if possible, then re-upload them as PDFs! Also double check that your AGI from last year matches what the IRS has on file. Sometimes rejections about "missing forms" are actually related to identity verification issues.

Has anyone had success calling the Healthcare Marketplace directly instead of the IRS? My return got rejected for a similar reason, and it turned out the Marketplace had updated my 1095-A but hadn't sent me the revised version. They emailed me an updated form within 24hrs of calling them.

Pro tip: In TurboTax, go to Tax Documents section, delete ALL versions of your 1095 forms, then re-upload them, but make sure to manually enter all the information when prompted rather than letting TurboTax try to "read" the forms. Sometimes their OCR misreads critical info. And double-check the "coverage months" boxes - I've seen cases where TurboTax marks someone as having coverage for incorrect months, which creates a mismatch with what the Marketplace reported to the IRS. Good luck! These 1095 rejections are frustrating but usually fixable with some patience.