Due to this being a IRS rejection with their system insisting that their is a 1095-A, an ACH explanation may not work.  The IRS automatic system is looking for form 8962 and without it, you may not be able to bypass this, meaning the return may have to be printed and mailed.

Although you have checked with the client, the IRS apparently still believes the client or one of their dependents should have a 1095-A. If one of their dependents was covered on another persons policy such as the other parents policy, this would trigger this issue. Places to double check are:

1. Healthcare.gov- if they do not have a Marketplace account, they can still call the Marketplace to verify that no coverage (along with the premium tax credit) was ever issued to any of the people on the return.  The Marketplace can help them get a voided 1095-A if they did not have coverage at all in 2025.
2. Check the IRS Wage and Transcript file to see if one is there.  This would show for the taxpayer and spouse, however, it may or may not show for any dependents listed on the return depending on who obtained coverage.