Quick answer: HealthCare.gov says an unexpected Form 1095-A can result from a tax-household member enrolling, a reporting error, or a potential fraudulent enrollment. The IRS says that if you think you should not have received Form 1095-A because you were not enrolled in Marketplace health insurance, contact the Marketplace Call Center rather than inventing Form 8962 information.

Why would the IRS think I had Marketplace insurance?

The IRS receives Form 1095-A information from the Health Insurance Marketplace. If Marketplace records show qualified health plan coverage or advance payments of the Premium Tax Credit, the IRS can expect Form 8962 with the return.

You may not personally remember enrolling, but that does not necessarily mean the Marketplace record is fraudulent or wrong. Start by checking the people and policies tied to your tax household.

Common reasons this can happen

  • A spouse enrolled in Marketplace coverage. The policy may have been issued in the spouse's name.
  • A dependent enrolled separately. An adult child or other dependent may have their own Marketplace enrollment.
  • Your household application changed during the year. Adding or removing family members or changing plans can create more than one Form 1095-A.
  • The Marketplace reported something incorrectly. Incorrect coverage dates, household members or policy information can produce a Form 1095-A that needs correction.
  • The enrollment may be one you do not recognize. HealthCare.gov specifically identifies potential fraudulent enrollment as one possible explanation for an unexpected Form 1095-A.

What should I check first?

  1. Check whether you received Form 1095-A. Look in your Marketplace account and IRS Individual Online Account.
  2. Check your spouse's records. A 1095-A issued to a spouse may not appear in your IRS account.
  3. Check dependents who may have enrolled separately.
  4. Compare coverage months and covered individuals with what actually happened.
  5. If the record still looks wrong, contact the Marketplace that issued the form.

What if I got a Form 1095-A but never enrolled?

The IRS says that if you think you should not have received Form 1095-A because you were not enrolled in Marketplace health insurance, contact the Marketplace Call Center.

For coverage purchased through the federally facilitated Marketplace, contact the HealthCare.gov Marketplace Call Center. If your state operates its own Marketplace, contact that state Marketplace.

Could someone in my tax household have enrolled without me knowing?

Yes. HealthCare.gov says one possible reason for an unexpected 1095-A is that someone in your tax household enrolled in a Marketplace plan, sometimes without the primary taxpayer's knowledge.

This is especially important for joint returns and returns claiming adult dependents. Review each person's Marketplace records before assuming the form belongs to someone else.

Could this be identity theft or fraudulent enrollment?

It is possible, but do not assume that immediately. HealthCare.gov lists potential fraudulent enrollment as one explanation for an unexpected Form 1095-A.

If you do not recognize the policy after reviewing your household and Marketplace records, report the issue to the Marketplace. Follow any identity-verification or fraud-reporting instructions the Marketplace provides.

What if the Marketplace agrees the 1095-A was issued in error?

The Marketplace may issue a VOID Form 1095-A or otherwise correct its records. IRS guidance says a Form 1095-A marked VOID means the statement for that policy was issued in error.

Do not use the voided form or the previously issued form for that policy to complete Form 8962.

Read our corrected and voided Form 1095-A guide →

What if my return was rejected with F8962-070?

F8962-070 generally means IRS records indicate that Premium Tax Credit reconciliation is required but Form 8962 was not included.

If you believe the Marketplace coverage information is incorrect, do not guess at Form 8962 amounts. First verify the Marketplace record.

The IRS says that when an e-filed return is rejected for missing Form 8962, the taxpayer can refile with Form 8962 or, when appropriate, provide a written explanation for why Form 8962 is absent.

Read the complete F8962-070 guide →

Should I just enter zeroes on Form 8962?

No. Do not create Marketplace amounts that are not supported by Form 1095-A or the applicable IRS instructions. If the underlying Marketplace record is wrong, correct or resolve the Marketplace record first.

What if the Marketplace says the coverage is valid?

If the Marketplace confirms that valid coverage existed, obtain the correct Form 1095-A and use it to determine whether Form 8962 is required. That may involve coverage for you, your spouse or a dependent in your tax family.

What if I have employer insurance, Medicaid or Medicare?

Having other coverage does not by itself prove that Marketplace records are wrong. Some people can have Marketplace enrollment for part of a year or have household members with different coverage. Verify the months and people shown on Form 1095-A.

Step-by-step: what to do now

  1. Save the IRS rejection or notice.
  2. Check for Form 1095-A in the Marketplace account.
  3. Check IRS Online Account records.
  4. Check spouse and dependent Marketplace records.
  5. Compare coverage dates and people with your own records.
  6. Contact the Marketplace if the form or enrollment appears wrong.
  7. Use a corrected or voided Marketplace statement if one is issued.
  8. Only then complete Form 8962 or use the IRS-supported written-explanation route when appropriate.
  9. Resubmit and review the new acknowledgment.

Want RefundIQ to handle the rejection for you?

We can review the reject code, identify what the IRS or Marketplace is rejecting, prepare the required forms, correct the return, and help get it retransmitted for IRS acceptance.

Fix My Rejected Return — Call 844-754-1040

Common questions

Can the IRS tell me who enrolled me in Marketplace coverage?

The IRS receives Marketplace tax information, but questions about the underlying enrollment and Form 1095-A should be directed to the Marketplace that issued the statement.

Can I dispute the 1095-A with HealthCare.gov?

HealthCare.gov says information on Form 1095-A is not handled through the Marketplace eligibility appeal process. Instead, contact the Marketplace Call Center to report incorrect Form 1095-A information and request correction.

What if I never received a 1095-A?

Check your Marketplace account and IRS Individual Online Account, and check whether the form was issued in a spouse's or dependent's name.

Read our missing 1095-A guide →

Can RefundIQ help me figure out why the IRS thinks I had Marketplace insurance?

Yes. Have the tax year, complete reject code, and any Form 1095-A or Marketplace information available. Do not send Social Security numbers, banking information or complete tax documents through an ordinary website message.

Read the RefundIQ 1095-A rejection hub →

Corrected Form 1095-A guide →

F8962-070 guide →

Official sources

Sources reviewed October 7, 2026. Marketplace and IRS procedures can change; use the instructions that apply to the tax year and Marketplace involved.