Thanks Thomas for your response. You stated that the premiums and credit payback can be deducted, yet TT states in the step by step not to include premiums made to the ACA. Also, I hear that 2021 American Relief Act was going to forgive subsidy payback. But that doesn't seem to be reflected in my 2020 TT updates. Is this exemption based on your income? It is probably time to get professional tax help. My situation is maybe common or wierd. Lost my job in december of 2019. Started receiving unemployment. Decided to take money out of 401k to pay off my mortgage so I wouldn't lose my home, was finding it difficult to find a new position. My wife and I decided to start our SS benefits as well. I did state my unemployment benefits with the healthcare marketplace and it is indicated on my estimate but it was never calculated as income for the entire year. So I am now facing the subsidy repayment. I had received advice that if the 401k withdrawal was due to covid hardship I could report my income over three years. But there is nothing in TT that asks that question and even with only 1/3 of that income I am about $1000.00 of additional income between receiving a $4500 refund or paying $4500 tax bill. dave
