Parents put me on their marketplace insurance (1095-A) without telling me now my tax return went from $225 refund to paying $4.6k. What can I do?

[stellis03]

@liz471 Oh look - if we have more dependants we could get a subsidy! Great - lets add him on!

 

[stanlywood_66]

@stellis03 Also illegal I think if the dependent claimed is not actually a dependent?

 

[dszumera]

@stanlywood_66 For situations like that, it's usually a good idea to send in your tax return like you would anyway and let the IRS be the "bad guy."

 

[stanlywood_66]

@dszumera Yeah I had this happen to me (mother falsely claiming me), I fixed it directly with the irs so she had to settle her bill with them, since she would have never reimbursed me the amount I would have lost

 

[lbuenabenta]

@stanlywood_66 Correct. At the end of the registration you have to affirm that anybody on the Marketplace plans is not eligible to receive health care from an employer or Medicare.

 

[resjudicata]

@liz471 How can they claim her as a dependent when she has her own job, and files her own taxes?

 

[onlybygrace3]

@resjudicata You can be a dependent, whether or not you have a job and file taxes. If you are living at home, not paying rent, not providing for more than half of your needs, etc.

 

[alanschafer1]

@daughteroftheking84 Why did your parents put them on their plan without your consent, and how could they do so without you knowing about it?

I would call the insurance company that did this and tell them that you didn’t consent to being put on their plan, and any attempts to add you to the plan in the future should be rejected unless they get your approval first.

 

[daughteroftheking84]

@alanschafer1 Yeah I'm not sure but I also talked with my parents about it. They didn't do it with malicious intent but it is indeed a headache that I'll have to deal with their actions.

 

[jazdawg]

@daughteroftheking84 any reasonable parent would be offering to pay the tax burden that they have apparently forced upon you

 

[indranath]

@daughteroftheking84 But what headache are you talking about? You said you where insured by your employer so there should be no tax implications.

 

[jlau]

@daughteroftheking84 But we’re they aware they added you? Did they somehow accidentally fill your name in a form or did they intentionally do it?

It sounds like they committed fraud. Whether you report this or not they should be paying to fix it.

 

[jdf2013]

@daughteroftheking84 Parents need to file an amended return at Fed and state level.