You might check healthcare.gov. ACA Fraud is happening more and more. I have a client who is in this situation as well.
People are finding out they are a victim of this fraud when their return is rejected because they didn't include an 8962 with their return.
Insurance brokers get paid on commission, so rogue brokers are using stealth enrollments to generate monthly commissions. If they use the right estimates for a persons income, they qualify for zero-premium plans which makes the fraud harder to notice because no one is being billed for monthly premiums.
If you have a client in this situation, here is what they need to do:
- Contact the Marketplace at 800-318-2596. Tell the representative they received a 1095-A for a plan they never applied for or authorized. They need to use the phrase "unauthorized enrollment fraud."
- Request a Voided 1095-A. If they agree it was unauthorized, they will issue a new form showing $0.00. Once the voided 1095-A is processed, you will be able to resubmit the return for efile.
- Very Important: They need to ask if there is an active 2026 policy currently in place. If there is, they need to cancel it immediately. In 2026, there is no cap on how much of the premium tax credit that needs to be paid back, so if they don't cancel it they could be responsible for the full cost of the plan next year. Appeals to cancel coverage retroactively must generally be made within 60 days of discovering the fraud.
