It seems that you have been unnecessarily giving up your opportunity in previous years to make Roth IRA contributions. Only deductible retirement contributions reduce the amount of net earnings available to apply to a self-employed health insurance deduction and Roth IRA contributions are not deductible. What matters is that the sum of the deductible portion of self-employment taxes, the deduction for self-employed retirement savings and the deduction for self-employed health insurance is not permitted to exceed net profit from self-employment. This means that you can contribute to a Roth IRA at least as much as your self-employed health insurance deduction unless otherwise limited by the normal Roth IRA contribution limitations.
With regard to this, nothing has changed in TurboTax for many years.
