I am not getting a definite answer on the percentage allocations for a policy holder and a non-dependent adult child on the policy who is filing their taxes separately. If I use 0% on all three allocations on mine and 0% on all three allocations on adult child, TT says everything looks great! If I use 100% on all allocations on mine and 0% on all allocation on adult child she gets a return and I have to pay. If I use 0% on all allocations on mine and 100% on all allocations on adult child she gets a return and  I get a return. There are no blank columns on the 1095-A.