I received the following e-file error: "The e-file database indicates that Form 8962 or a binary attachment with description containing ACA Explanation must be present in the return".  It says Form 8962 is missing from the return.  This client is a 22 year old still covered under her mother's health insurance policy.  She had W-2 income of $192 and NJ unemployment of $19,000.  Would anyone know how to resolve this?