Coleen, I was so afraid you were going to say that. I've been pouring over 8962, and at times wondered if one needed a professional background in accounting to understand everything here, but so far, I've been coming up more or less empty. The individual I spoke with at HealthCare.gov mentioned, in an off-hand way, that she has a professional do all her taxes, and I sort of envied her for it. There comes a point here where I'd wish I could just explain all this in a letter or over the phone, since the forms and software don't provide much room for nuance or complication. I'll follow up on the link you provided, and hopefully that has something I can make use of. Again, thanks for everything you've provided here; it is very much appreciated.
