How do I know if I shared an insurance policy with another person?

Sometimes you must allocate the premium amounts from one Marketplace health plan between two different tax returns. If a Marketplace policy covered at least one individual in your tax family and at least one individual outside of your tax family, the premiums need to be allocated between the two tax returns.

You need to allocate policy amounts on a Form 1095-A between your tax family and another tax family if:

• The policy covered at least one individual in your tax family and at least one individual in another tax family, and
• You received a Form 1095-A for the policy that doesn't accurately represent the members of your tax family who were enrolled in the policy (meaning that it either lists someone who is not in your tax family or doesn't list a member of your tax family who was enrolled in the policy) or the other tax family received a Form 1095-A for the policy that includes a member of your tax family.

If this applies to you, answer Yes to the question that asks if you need to allocate your premiums between two different tax returns.

Common situations where the Marketplace health insurance premiums must be allocated between two tax returns include:

• You were divorced or legally separated from your spouse in 2025.
• One ex-spouse enrolls a child in a Marketplace health plan, but the other ex-spouse claims the child as a dependent on his or her tax return.
• You have an adult child (age 26 or younger) who is enrolled in your Marketplace health plan, but is not a dependent on your tax return.
• You're an adult child who is enrolled in your parents' Marketplace health plan, but you're filing your own tax return.

If you insured someone that wasn't part of your tax family or someone else outside your tax family insured a member of your tax family, then you probably should answer Yes to the question that asks if you need to allocate your premiums between two different tax returns.