My client:

HOH

$6,392 taxable dividend/interests

$-3,000 capital loss

$8,321 taxable retirement 

Received a 1095-A and paid monthly premiums of $874.76(total $10,497).

Received no Monthly Premium Tax Credit in 2019.

Her income falls below 100% of the federal poverty line sitting at 71%.

Because she purposely decided she did not want to receive a monthly premium tax credit for her health insurance every month and just receive it all in one lump sum when she files her taxes at the end of the year, she was not able to do so in 2019 because:

1. her income was below 100% of the federal poverty line

2. she did not receive any monthly premium tax credit

otherwise she would qualify to receive all of what she paid monthly back as the PTC. 

I am trying to figure out a way to help her get her money back from the marketplace as the software will not calculate her PTC because no she opted to not receive any monthly PTC. Has anyone ever run into this issue and how were you able to resolve it?

Thank you!