Just to confirm, your client didn't purchase the marketplace insurance but received a 1095-A with zeros?  Were you able to input the form with the zeros & efile the return?  I just had this exact same issue & am waiting for the client to get back to me.  They also had employer coverage for the full year but in 21' they had marketplace insurance so I'm waiting to see what they find on their end.  They didn't give me a 1095-A but they're checking to make sure they didn't get one & filed it.  I wasn't sure if this was a software glitch or if the marketplace really sends out 1095-A's with no insurance info.  Thanks for the input.