I am working on a client's tax return that has all 1099 form for filing and the 1095-A form. Before I include the 1095-A form it shows the client getting a refund but once I add the 1095-A form they owe for taxes and a lot. I'm trying to see why and are there any other things that I can try to help bring the amount down. Also, does the client actually have to file the 1095-A form?