Only a portion of your Social Security benefits is taxable. Up to 85% of your benefits are taxable, depending on your other income. It's never all taxable. Only the taxable portion is included in your total income on line 9 of Form 1040 or 1040-SR. Line 6a is the total amount of your benefits, and line 6b is the amount that is taxable. Look at the actual Form 1040, not a summary screen in TurboTax. Line 6a should be the sum of box 5 on your husband's Form SSA-1099 and yours. If it's not, you entered one of the box 5 amounts incorrectly.
If line 6a is correct and line 6b is zero you probably answered a question wrong. After you enter the amounts from your SSA-1099 there is a question that asks if you lived in one of the eight foreign countries listed in the question. If you did not live in one of those countries you must answer No for both you and your husband. If you answer Yes, none of your Social Security benefits will be included in your total income, which is exactly what you say is happening. Go through the Social Security interview again and check your answers to that question. Read the question carefully.
