Yes, and I think the client in my original post probably had an insurance agent that signed her up. She didn't even know how they signed up and was going to ask hubby. I told her that the insurance agent is getting a monthly commission, and I would not hesitate to enlist his help in getting another 1095A. I do not blame the insurance agent, but he's making money on this, and I'm not. I'm still waiting, because frankly, these people are irresponsible in the extreme. They've had nine months to take care of taxes. They could have made a baby by now. This is my first, and probably last, year with this client. If I don't fire them, they'll no doubt fire me when they see what they owe.