form-1095-a

MEDIUM W009: Direct money access capability detected (payment gateways, crypto, banking).

• Direct money access detected (medium risk: 0.30). The skill assists individuals with reconciling health insurance marketplace statements (Form 1095-A) and preparing Form 8962 for tax filing. While it mentions filing tax returns and optional browser automation for filing (SKILL.md:189-191), tax preparation and reporting are indirect financial operations (submitting billable usage, tax reporting, or informational forms for downstream handling). No direct money movement, payment instructions, trades, or charges are executed by the skill. Therefore, it falls under indirect financial operations.