Thanks for the solution and explanation. I'm glad to resolve this.
For anyone reading this, I recommend this calculator to come up with best "iterative" calculation for PTC credit and health insurance deduction. I followed IRS iterative calculation instructions (very tedious and will make a person insane) and my result was within $6 of the calculator. Save yourself some time....
https://thefinancebuff.com/self-employed-aca-subsidy-calculator
For more explanation of the issue:
https://thefinancebuff.com/when-tax-software-gives-self-employed-wrong-aca-premium-subsidy.html
Sounds as if this isn't a problem for everyone who is self-employed and buys Marketplace insurance. My theory is that it is a problem for us because our AGI is right around 400% of poverty level--it is just below at 396% when credit/deduction is to our best advantage. TT put us in the 401% group.
