01/29/2026
Two of the main reasons tax returns get rejected is because of (1) missing Marketplace Insurance forms and (2) missing Identity Protection PIN numbers. We have included more information on these two things below in this post, but if YOU OR ANYONE ON YOUR RETURN (spouse, dependent) have one of these, their respective form MUST be included on your return to avoid rejections or delays in processing.
🔷IP PIN🔷
If the IRS has assigned you an Identity Protection PIN (IP PIN) (a 6-digit number), you MUST use it to file your federal taxes electronically or by paper to avoid rejections or delays; it is a mandatory security measure to verify your identity and prevent fraud, especially if you've been a victim of identity theft, but you can also opt-in for extra protection.
The IRS will send you a CP01A notice with a new IP PIN each December/January by postal mail. If you do not receive this notice in the mail, you can retrieve it by logging into your online IRS account.
For more information on IP PINs visit www.irs.gov/getanippin or call 800-908-4490
🔷MARKETPLACE INS.🔷
If you purchased health care insurance through the Marketplace, you should receive a Form 1095-A, Health Insurance Marketplace Statement, at the beginning of the tax filing season.
Among other things, Form 1095-A reports the total monthly health insurance premiums paid to the insurance company you selected through the Marketplace. It lists the amount of premium assistance you received in the form of advance payments of the premium tax credit that were paid directly to your insurance company, if any.
If you chose to have advance payments of the premium tax credit paid directly to your insurance company, you must complete Form 8962, Premium Tax Credit and file a federal income tax return, even if you are otherwise not required to file. You are required to reconcile — or compare — these payments to the premium tax credit you’ll compute for your tax return. Even if you did not choose to receive advance payments, you must file a federal income tax return to claim the premium tax credit. Filing your return without reconciling your advance payments will delay your refund and may affect future advance credit payments.
If you purchased coverage through the federally facilitated Marketplace and you set-up a HealthCare.gov account, you can get a copy of Form 1095-A, Health Insurance Marketplace Statement online from your account. Visit your Marketplace’s website to find out the steps you need to follow to get a copy of your Form 1095-A online. You can use either the information from your online account, if it is available, or the Form 1095-A that is mailed to you to complete your tax return.
