So this seemed to work. I let TurboTax take the entire SEHI amount from the ACA plans, resulting in no 7206 and a correct Schedule 1 SEHI entry. Then I entered the non-ACA insurance in the itemized medical expenses screens as an insurance premium that was not used for SEHI. This worked correctly. The reason I didn't do it this way before is that I've been taught that you should try to take as much SEHI from non-ACA plans first to minimize the impact on PTC and the circular calc that comes from it plus SEHI. But since we don't get PTC, it doesn't matter.
Still no 8962, but I'm good with that. We shouldn't need one.
