Unlinking does not automatically give you the correct calculations, rather it puts the onus on you to do the iterative calculations to determine the best SEHID to take, which will then allow TT to calculate the proper PTC. The IRS simply requires that the two numbers do not add up to more than what was paid. The goal is to find the sweet spot such that the PTC and SEHID add up to what was paid (or very close). Linking the 1095-A to your self-employed income is what is supposed to allow TT to do the iterations automatically, but their algorithm has shortcomings that cause it to fail at times.
