Background:MFJ in CaliforniaTaxpayer receives full Veterans Administration (VA) individual medical care but also has private individual insurance through the marketplace. Because of VA care, taxpayer is not eligible to receive any Premium Tax Credit and must have a separate policy. Taxpayer receives an individual 1095-A showing zero APTC.Spouse is not eligible for VA care and has own policy through the marketplace. Spouse received a separate 1095-A for her policy that shows an APTC.Question:What are the proper allocations to enter to prevent the taxpayer's 1095-A amounts from being included in the calculations of the Premium Tax Credit on Form 8962?

G

GTBTax

Level 2

Question

How do I allocate dual 1095-As, with one ineligible for PTC?

Forum|Forum|4 months ago
February 8, 2026
1 reply
6 views

Background:

MFJ in California
Taxpayer receives full Veterans Administration (VA) individual medical care but also has private individual insurance through the marketplace. Because of VA care, taxpayer is not eligible to receive any Premium Tax Credit and must have a separate policy. Taxpayer receives an individual 1095-A showing zero APTC.
Spouse is not eligible for VA care and has own policy through the marketplace. Spouse received a separate 1095-A for her policy that shows an APTC.

Question:

What are the proper allocations to enter to prevent the taxpayer's 1095-A amounts from being included in the calculations of the Premium Tax Credit on Form 8962?

ProConnect Tax

T

TaxGuyBill

Level 15

Make sure (or look up) that the total SLCSP that shows up on the 8962 reflects the amount for the ONE qualifying person.

G

GTBTaxAuthor

Level 2

Should the SLCSP total for the taxpayer (who is not eligible for and has not received any APTC) be entered as zero? And don't do anything regarding Part IV allocations since they've been married the full year and it's a MFJ return, correct?

T

TaxGuyBill

Level 15

@GTBTax wrote:

Should the SLCSP total for the taxpayer (who is not eligible

And don't do anything regarding Part IV allocations since they've been married the full year and it's a MFJ return, correct?

Yes, but in your case it seems like one of the taxpayers qualifies. Look up the correct SLCSP (with only the one qualifying person) to see if it matches what is on the 1095-A and 8962.

Correct, no allocations unless the 1095-A covers someone that is NOT on the tax return.

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