If I didn't receive a 1098-T (for CA community clg), should I have entered grant $ minus BOG waivers (& exp) on my return as income? Counselor said don't add grants, but?

We were told that a 1098-T was not applicable bc grant $ was non-taxable and no money was paid for tuition, but everything I read said that's only if all expenses are qualified education exp, so I added grants minus the amount that was waived for tuition, and now I'm worried I've given myself income that isn't really income and it'll mess up my health insurance qualifications. Help!