<prompt> Human: Hello rpersonalfinanceFor the past few weeks Ive been slowly losing my mind as I bounce back and forth from the IRS and Healthcare Marketplace trying to clear up my health insurance status. To give you all a little background information, I had insurance through the Healthcare Marketplace in 2015 but for 2016 I received heath insurance through my employer. Throughout the course of 2016 I would receive random mailings from the Marketplace telling me my application was not completed and that I would lose coverage. After receiving these I would call and spend an hour or two on the phone with them attempting explain that I had coverage through my employer and that I would like for them to cancel remove reject whatever any application they had on file for 2016 I never filled one out, I assume they just carry over. I was assured numerous that the issue was resolved but alas it was not. Just yesterday I finally received the 1095A form after my wife pleaded with them to send one and the form states that we, as a family, had insurance through the Healthcare Marketplace for 2016. I never paid a single cent into any plan through the Marketplace and, as I previously mentioned, was assured that any policy I had with them was canceled. I spent some time on the phone with the Healthcare Marketplace yesterday was transferred 4 times only to be told that a case worker would review my file and send me their results in the next 30 days. For obvious reasons the IRS requested that I file an extension so Im going through that as well, this process is taking up an enormous amount of our time, taking us away from work and our children, for what appears, to us at least, to be something that could so easily be resolved. As for the IRS, its incredibly hard to get someone on the phone and when I do, they could care less. Ive offered to submit proof of insurance through my employer but all they seem to care about is the incorrect 1095A through the Marketplace. I dont have the money to go and get some sort of tax attorney to review this for me so Im turning to you all in the hopes that you can lend me some advise. So, have any of you experienced the same thing? Can any of you offer some advise on what steps I could take to get this resolved? Thanks in advance for all opinions and advise offered!UPDATEIve been here 10 years and never seen anything like it. Im befuddled.After reading your responses THANK YOU ALL! I reached out to both the Marketplace and the Insurance provider and somehow managed to get on a conference call with the three of us. What Ive found is that each party is misinformed about what the other does, is responsible for, or the extent of which they can help. Anyway, The Insurance Provider was able after some prodding to look back at my payment history and verify that I never made a policy payment or made the original binder payment. She confirmed that the policy should have been cancelled after 90 days but that there was a guardian angel looking after me and that shes been here 10 years and never seen anything like it. Im befuddled. To streamline this, heres the summary:The Provider states I had an active policy for all of 2016 despite never making a single payment. According to policy, after 90 days of non-payment, I should have been cancelled. I wasnt.The Marketplace defaulted to the providers records and issued a 1095A stating I had coverage because, according to the provider, I did. Despite being told on previous calls with the Marketplace that they couldnt check payment records, I came to find out that they can indeed check payment history. This doesnt come as a surprise because over the course of 2016 I spoke with them a few times about payment notices and they confirmed with me that the issue was resolved and my policy was backdated and cancelled. It wasnt. I have two escalations tickets in the works at The Marketplace to correct the 1095A and my account reflecting an active policy. I have another ticket at the Provider to cancel and backdate my policy due to non payment to Jan 1st 2016. My concern is that the escalation team at the Marketplace will act quicker than the Provider, check for coverage, bringing me back to square one. Exciting times...As for the IRS, I filed an extension a few days ago so hopefully all this gets resolved within the next 25 days. I think I covered it all. Im sure Im leaving a lot out but man, this has a challenging process. I have a whole new respect for accountants and tax professionals. Anyway, thanks for all the advice! If theres any actual interest in the resolution, Ill make an update post. Have a great week, everybody!Assistant: Ive dealt with several people with this problem while filing tax returns. The solution really needs to come from the Marketplace--if it says you had coverage and paid out the advance premium tax credit, the IRS doesnt have much else to go on. Proof of other insurance would just mean that you werent eligible for the PTC.In my experience people were able to get the Marketplace to correct their records and show that they did not have Marketplace coverage in 2016. Im not sure what the best way is, if any, to get the Marketplace to do better if theyre slow to respond to you.Human: Thanks for your response. The marketplace or the last woman there I spoke with told me that the insurance is separate from the marketplace and that they cant see if I made premium payments which I never did. If I have proof of insurance and wasnt eligible for PTC, wouldnt that in essence make the 1095A form null and void as I had my own private insurance? Assistant: If the Marketplace made advance premium tax credit payments to the insurer, you would need to repay them in full if you werent eligible for the PTC. This is the reason this information is mandatory, to see if you need to repay. Obviously you want to avoid that if its not correct.Human: Right, so how do I avoid paying them? Wouldnt proof of coverage for 2016 be enough? Or the fact that I never made any premium payments?  <response>: No, you need proof that there were no advance premium tax credit payments. That goes through the Marketplace, so you need the Marketplace to correct its mistake. 