1095A

[Marie]

Client's return was rejected because of not having the 1095 info.  He says he did not have marketplace insurance.  He never received a card, or had any correspondence with the marketplace.  So why does IRS think he does and how can I file?

[BulldogTom]

Is the client a victim of ID theft?

Tom
Longview, TX

[Pacun]

Maybe spouse got it the previous year and was renewed semi automatically.  Was her marital status changed in the last couple of years?

[jklcpa]

Is client separated or divorced?  Does client have a child with child-only insurance through the marketplace?

[Marie]

lots of yeses to many of the questions.  No id theft, I don't think.   No child, but ex wife.  No premiums were ever paid in. 

[TexTaxToo]

The efile was rejected because the Marketplace reported to the IRS that his SSN (or the SSN of someone he is claiming as a dependent) was included on a Marketplace policy and received APTC.  It doesn't matter who purchased or paid for the policy - he must reconcile it on his return.

If your taxpayer does not believe any such policy exists, you can include a statement of explanation.  Your software may allow you to e-file with a canned explanation.

See https://www.irs.gov/newsroom/how-to-correct-an-electronically-filed-return-rejected-for-a-missing-form-8962