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Beartracks

(12,809 posts)
Sun Mar 7, 2021, 01:49 AM Mar 2021

Help! Health Care tax question for adult student dependent

Got a Health Coverage tax 1040 question from when the Health Insurance Mandate was still in effect...

I'm doing taxes from a couple years ago (finally -- don't ask). Had a grandchild living with us who was over 20, taking classes at a local college, and job-hunting. During this period he only managed to work a couple short-term jobs. I'm planning to claim him as a dependent since putting a roof over his head and food on the table was way more than 50% of his upkeep. I work and have employer-based health insurance for me and my spouse; grandson was never on my plan. So he was not meeting the health insurance mandate at that time.

Now, in order for me to claim him as a dependent, I need to be able to say everyone in my "tax household" had qualified coverage or an exemption for all 12 months of the year. Since he had neither, I can't check that box -- but I COULD attach form 8695 and make a "responsibility share payment," which is like $1800. But that payment is technically HIS responsibility, not mine. But as far as I know, he did not file taxes that year, because he wasn't working. (I know, I know, he's *supposed* to have filed, but I know he didn't.)

So what are my options here? I feel I should be able to claim him due to the financial support I provided, but I do *not* feel I should be on the hook for his ACA penalty.



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Help! Health Care tax question for adult student dependent (Original Post) Beartracks Mar 2021 OP
I'm not a tax accountant radical noodle Mar 2021 #1
What year are we talking about? TexasBushwhacker Mar 2021 #2
Yes, it was before 2019. Beartracks Mar 2021 #3
You probably couldn't have added him to your insurance TexasBushwhacker Mar 2021 #4

TexasBushwhacker

(20,185 posts)
2. What year are we talking about?
Sun Mar 7, 2021, 11:18 AM
Mar 2021

The penalty for no health insurance went away in tax year 2019.

If it's for 2018 and before, sorry. If you claim him as a dependent, then you had the medical insurance responsibility too.

Beartracks

(12,809 posts)
3. Yes, it was before 2019.
Sun Mar 7, 2021, 03:40 PM
Mar 2021

I didn't think (at the time) that I could add him on my insurance since he wasn't my kid, so I didn't. Could I or should I have? In essence, he was the proverbial "grown man living in his grandparents' basement."

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TexasBushwhacker

(20,185 posts)
4. You probably couldn't have added him to your insurance
Sun Mar 7, 2021, 07:50 PM
Mar 2021

but that's water under the bridge. I guess just be thankful he didn't get injured in some bad accident while uninsured.

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