Quick answer: The most common IRS Marketplace rejection is F8962-070. It generally means IRS records show advance premium tax credit information for you or someone in your tax family, but Form 8962 was not included with the return.

What are the most common 1095-A rejection reasons?

  • Form 8962 is missing.
  • A Form 1095-A was not entered.
  • There is more than one Form 1095-A and one was omitted.
  • A spouse or dependent had Marketplace coverage that was not included.
  • A corrected Form 1095-A replaced the original form.
  • The taxpayer does not recognize the Marketplace coverage.
  • The return used Marketplace amounts that do not match the applicable statement.

What does F8962-070 mean?

F8962-070 generally means the IRS expected Form 8962 because its records show advance premium tax credit information, but Form 8962 was missing from the electronically filed return.

The IRS tells taxpayers to review Marketplace records and then refile by either including Form 8962 or, when appropriate, providing a written explanation for why Form 8962 is absent.

Read the complete F8962-070 guide →

What if I never received Form 1095-A?

A missing Marketplace statement is one of the most common reasons taxpayers cannot complete Form 8962 correctly.

Check HealthCare.gov or your state Marketplace, IRS Individual Online Account, and the accounts of a spouse or separately enrolled dependent.

Read the missing Form 1095-A guide →

How do I actually get a missing 1095-A?

For HealthCare.gov coverage, sign in, choose the application for the tax year you are filing, open Tax forms, and download the statement. State Marketplace users should use their state Marketplace account.

See the step-by-step 1095-A retrieval guide →

What if I received a corrected Form 1095-A?

If the Marketplace issues a statement marked CORRECTED, use the corrected statement instead of the earlier version for that policy when completing Form 8962.

If you already filed using the original form, compare the corrected information to determine whether it affects the return.

Read the corrected Form 1095-A guide →

What if the IRS says I had Marketplace insurance but I didn't?

Check whether a spouse or dependent had Marketplace coverage, whether the Marketplace record contains an error, or whether there is an enrollment you do not recognize.

Do not invent Form 8962 amounts simply to get around the rejection. Verify the Marketplace record first.

Read the unexpected Marketplace coverage guide →

What if my dependent had Marketplace insurance?

Marketplace coverage for a dependent can affect your return even if you personally never enrolled. If you claim the dependent and advance premium tax credit payments were made for that dependent, Form 8962 may be required on your return.

Read the dependent Marketplace insurance guide →

Do I always need Form 8962 if I had Marketplace insurance?

No. The requirement depends on whether you are claiming the Premium Tax Credit, whether advance premium tax credit payments were made, and certain tax-family allocation situations.

Read the Form 8962 requirement guide →

What is the difference between 1095-A, 1095-B and 1095-C?

Form 1095-A is the Marketplace statement used to prepare Form 8962. Forms 1095-B and 1095-C report other health coverage or employer coverage and do not replace Form 1095-A for Marketplace tax reconciliation.

Compare 1095-A, 1095-B and 1095-C →

What should I do before resubmitting?

  1. Save the complete rejection message.
  2. Confirm the tax year.
  3. Check every Marketplace statement for you, your spouse and dependents.
  4. Use the latest corrected Form 1095-A when one exists.
  5. Complete Form 8962 when required.
  6. If Form 8962 truly is not required, use the IRS-supported explanation process when appropriate.
  7. Resubmit and check the new IRS 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

Does a 1095-A rejection mean I owe money?

No. A rejection means the return was not accepted as submitted. The Form 8962 reconciliation can increase or decrease the final Premium Tax Credit depending on household information and advance payments.

Can I remove the Marketplace information to make the return go through?

No. If valid Marketplace coverage exists, removing the information can make the return inaccurate. Use the correct Marketplace records and Form 8962 rules.

Can RefundIQ help with a 1095-A rejection?

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

Go to the RefundIQ 1095-A Help Center →

Browse the IRS reject-code library →

Official sources

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