Thanks @Critter-3, but as I noted above, I HAVE used that tool (https://www.healthcare.gov/tax-tool/#/), but it reports $0 for each month, UNLESS I lie and tell it I was not eligible for employer-provided coverage. That gives me a value, but if I put it into Turbo Tax, TT tells me I am eligible for PTC, which I'm pretty sure I'm not (again, due to my eligibility for employer-provided coverage, which qualifies as MEC).
