I got several calls and emails from clients who are waiting for the IRS to send them balance due letters in the mail and see the balance due posted at their IRS Online account. Even I am waiting for the IRS tax due letter for what I owe on my 2025 tax return. Wonder if you tax preps also in the same boat, waiting for the IRS to send letters of balance dues to your clients? I can not find the official IRS announcement that they are delaying or will send out the 2025 tax balance dues by letter and/or post the balance dues at the IRS account so the clients can set up payment plan.

Quick disclaimer, I know I probably did a lot of stupid things here. I'm trying to navigate through life better but the tax system and health insurance are baffingly confusing to me. In 2025, I was uninsured for most of the year after getting laid off. I was pretty depressed and didn't bother signing up for health insurance right after. In April, I signed up through Massachusetts Health Connector and reported my income as what I made at my job for 2 months and my total expected unemployment income, plus interest on savings. I got a plan for a $435 premium with a $47 tax credit. I paid for the first month but then I stopped paying because it was too expensive. I went uninsured until October, when I signed up again. I wanted to check if I report my current income ($0) or annual income, so I called and the person on the phone told me it was just my current income. I was ignorant about where the discounted price of the premiums comes from and don't recall that being made clear that it was essentially a tax credit so I went along. The enrollment premium for that plan was $387.45 and the tax credit was $330. I paid for that for 2 months then stopped. My 1095-A reports the premiums and credits for April, May, Oct, Nov, Dec. I only paid the premiums for April, Oct, and Nov, but my insurers received tax credits for all of the months reported. Shouldn't they not have received tax credits for the months I wasn't covered? Why do I have to repay tax credits for months I wasn't insured?