@Rightfield When you say "The IRS simply requires that the two numbers do not add up to more than what was paid. ", does "what was paid" account for the APTC repayment limitation? What I'm experiencing is that at some AGIs where I qualify for repayment limitation, TurboTax is calculating the SEHID to equal the total of premiums paid + repayment before limitation rather than premiums paid + repayment with limitation. I explain this with an example in my post here.
Also, if unlinking means we have to manually calculate our SEHID and manually enter it, how in the world do people in this situation use TurboTax to figure out their optimal Traditional contribution as I'm trying to do? I go in and try many different amounts of Traditional contribution to see the results at many different AGIs looking for the sweet spot on different variables (which often happens to be right under a cliff like 400% FPL, exactly where the iteration method problems tend to be, though I'm also get them at some other AGIs too). Manually calculating and entering the SEHID at all of those different AGIs would be, for me, for all practical purposes impossible. Imagine sitting down with a worksheet and calculating SEHID for 25 or 30 AGIs for example and entering every one one by one to see the numbers.
I'm not sure what I'm supposed to do both in terms of figuring out the best Traditional contribution number or how to actually file if I unlink the health insurance and it doesn't report it still on Schedule 1, Line 17 (though maybe it still does?)
