Yes if your W-4 said married filed jointly, then they didn’t take enough tax out. When we had it like that we owed 7k because we had it wrong on W-4. That’s why you owe money. They didn’t withdrew enough

No that insurance proof isn’t required anymore for tax purposes. I mean you can attach it but it makes no difference If insurance was from the employer. Tax rules change all the time

Ok got you. Ours want both signatures in order to file electronically. Those are electronic signatures. Or could be pen and paper. Not sure how they file it without signatures. But looks like they do