Don't confuse 1095-A (ACA marketplace health plans) with 1095-B or 1095-C (employer and other health coverage). Also don't confuse the premium tax credit with the individual mandate.

Because of the premium tax credit, most taxpayers that receive Form 1095-A are required to file Form 8962.

https://www.irs.gov/forms-pubs/about-form-8962

IRS Direct File doesn't let you file if you have marketplace insurance, presumably because it's not supporting this form.

https://directfile.irs.gov/insurance

In particular, I mean this page [0] where the IRS flat-out says "you can't" use direct-file (for no particular reason) before giving a much weaker statement of "is not a good option."

> You can't use Direct File if you have: [...] Health insurance you bought directly through a marketplace (like HealthCare.gov) [...] Individuals enrolled in a health insurance plan through a marketplace will receive Form 1095-A.

> If you got your health insurance through a marketplace, Direct File is not a good option for you.

[0] https://directfile.irs.gov/insurance