After you file

I looked at that and it does show the early withdrawal penalty, $6,875 being subtracted from my income of $30053. So AGI is $23,196, I have $1,799 in tax free interest and I know I have to add that to AGI to get MAGI. But I don't see anyway to do this without that $1,799  becoming taxable income?

Edit: Ooops I see what happened, I entered that $1,779 of tax free interest as $17,779 now I see getting back the same $46 in Premium Tax Credit that others show. So your software does use that MAGI for determining Credit.

Thanks for trying to help though