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Did you, or did you not, get a 1099-NEC? (You said both). And insurance has nothing to do with whether you should have gotten a W-2 instead. It sounds like you were a Household Employee, and should have received received a W-2.
Topic No. 756 Employment Taxes for Household Employees | Internal Revenue Service (irs.gov)
Yes, but you will need to add this in as Self-Employed income because you need to pay SE tax on top of your income tax.
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