My spouse and I have Med Insurance premiums ($1821 ea) on our 1099-R forms; however, TTax does not show them on Med worksheet or 1099R Summary sheet for my spouse. Why?

[Chuck C1]

I deleted her 1099-R and re-entered everything.  Again, that follow-up question for my spouse's Form 1099-R was NOT and is still NOT asked.  To reiterate, the $1,820.90 ($1,821) figure does show for each of us in/on block/line #5 of the Forms View for 'Distributions from Pensions, IRAs, etc' for our individual 1099-Rs from the Office of Personnel Management; however, that number is not being shown for my spouse on the 'Medical Worksheet and 1099-R Summary forms.

I also created a Test return for next year's 2025 taxes.  I will not have insurance in Block 5 for me on my 1099-R because it is cancelled; however, my spouse Will have it.  Again, the 'health insurance amount' question was Not asked for her 1099-R form, and it shows only in the Forms View for 'Distributions from Pensions, IRAs, etc' and does Not show in the 'Medical Worksheet and 1099-R Summary forms.  So do I have a problem with the version of TTax I downloaded or?  It is very confusing, especially since you said you can see it. 

Thanks!

[Chuck C1]

I forgot to add that I also reviewed our TTax program entries for 2023 taxes and the 'same' problem existed for that year's tax forms.  My spouse's health insurance was not included on the Schedule A medical deductions  total, the Med Summary or the 1099-R summary.  So there has to be some sort of programming problem that has existed for at least a few years, that for some reason only looks at the primary tax payer's 1099-R block #5 info.  Again, we take the Standard Deduction, so I didn't look at the Med insurance entries issue last year, but did see the problem this year.  

So maybe TTax Programmers need to create a 'Test file' in an actual downloaded TTax program and enter two 1099-Rs and check for the issues.  Looking at a 'diagnostic TTax file' may not be the same - even though it should be.  It doesn't matter to me, but maybe some people actually use the Itemized Medical deductions,  instead of the Standard Deduction, so they should get all deductions reflected accurately.

Appreciate your time!

[AnnetteB6]

Thank you for the follow-up comments.  Sometimes different versions of TurboTax do act differently when entering inputs.  I may not have been using the same version when I tested the situation with your token file.  

Just to be sure we're on the same page for a second test, please clarify which version of TurboTax Deluxe you are using -- online or desktop; Windows or Mac.  

@Chuck C1 

[Chuck C1]

Annette,

That's intersting that different versions of TurboTax may act differently.  I would have thought that the data & forms would work the same, but ...

I downloaded the Turbo Tax Deluxe for Windows.  I am using Win 10 on my desktop and currently have TTax  WinPerRlease Version  024.000.0325.  You should be able to see it in the diagnostic version of my file, but we are filing 'married filing jointly'.  

Thanks for the follow-up.

Chuck

[AnnetteB6]

To clarify, different versions of TurboTax sometimes have input screens that are a little different from one another, but the inputs should all be treated the same no matter the version so that the same result is reached on the tax return.

Taking another look at your token file and focusing on the 1099-R forms with a number in box 5, I noticed that your (taxpayer) 1099-R is marked as a CSA 1099-R, but the spouse 1099-R is not.  Are they both the same or is only one CSA 1099-R?

I was certain that I saw the follow-up question when going through both 1099-R entries earlier, which asked about box 5 insurance premiums.  Now, I am on the same page as you seeing that the question only comes up for the taxpayer entry and not the spouse.  So I'm still trying to get to the bottom of it.  

@Chuck C1 

[Chuck C1]

Annette,

First, yes, both of the 1099-R forms are from OPM, with the same Fed ID #, and both have our personal CSA # on them.

I noticed that when I entered the info for our separate CSA 1099-R forms, that after filling out the all basic info from all boxes on my CSA-1099-R form, TTax asked me specifically for my form: "Since box 5 on your CSA-1099-R can hold more than one item, tell us how much of your box 5 amount o $1,821 is for health insurance."  Then there is a box: 'Health Insurance Payment Amount' into which I entered 1,820.90.  So I guess somehow TTax knew the 1099-R was for an OPM CSA retirement account. 

That question and opportunity to enter a definitive answer was NOT asked when I entered info for my Spouse's CSA 1099-R, so why not?  Why is TTax ignoring or asking different questions for each filer on a 'married filing joint' return?  TTax knew mine was a CSA 1099-R, probably based on the Fed ID #, then why not for my Spouse?

I also noticed on the 'Forms View' of her 1099-R, that the checked "Source Form:" box was for "1099-R" ---- so again TTax somehow saw it as just a 1099-R and/or determined it was NOT a CSA-1099-R --- most likely because TTax didn't ask the question.  Regardless, when I put the check mark in the CSA-1099-R box, there was also a check mark automatically updated in the box below which said, 'If Spouse's CSA-1099-R, check this box".

Even after doing that, nothing changed on the 'Medical Worksheet or the 1099R Summary' forms.  So again, what is wrong with the TTax programming?  I also saved the file, closed the program, and re-opened it, but no change to those forms.

Thanks for trying to resolve this issue, even though it doesn't affect us. I guess you like a challenge too.  ;P)

Regards, Chuck

[Chuck C1]

Annette,

Continuing this discussion, I also noticed that the SAME issues occurred in my 2022 & 2023 Deluxe TTax programs (I didn't check back further).  For whatever reasons, the same questions are NOT being asked when a Spouse's 1099-R info/data is being entered.  Why NOT?  There shouldn't be any difference in the sequence or type of questions that were being asked of the Primary Taxpayer, especially when the 1099-Rs are from the same source/employer and the Fed ID #s are the same. 

Obviously, there is a problem in the TTax programming, and hopefully not a prejudice against spouses (assuming a female when the Primary is male?), or whatever.  I am not a programmer but I don't see any logic or IRS based reasoning for NOT asking the same questions.  This also means that TTax should NOT be advertising that the Tax Returns prepared are 'Guaranteed to be 100% accurate' ... because they are NOT in terms of data entered and data on the various forms!

Thanks again for your time, 

Chuck

[Pete226475]

I had the same problem last year and again this year even though I went thru a similar discussion on the forum last year. Last years response was to add the second premium to the block below that asked about additional premiums. Not the kind of answer I was looking for. Glad to see its not just me... 

[AnnetteB6]

Yes, I do like a challenge, and I agree that the questions should be the same with regard to the taxpayer and spouse (and I believe that they are).  

Please check one thing for me.  You mentioned that both of the forms reporting the insurance cost in box 5 were CSA 1099-R.  Doing a test case, if I entered two CSA 1099-R (one for taxpayer, one for spouse), the question about box 5 comes up for both.  However, before any data is entered, there is a question about what type of form you have.  The box showing it is a CSA 1099-R and not just 1099-R must be checked for both the taxpayer and spouse forms.

Would you give that a try and let me know if you get the question about box 5 for both taxpayer and spouse?

@Chuck C1 

[Chuck C1]

Thanks again, Annette.  We have already filed our taxes so I won't change anything for 2024. 

I remember that question about the type of 1099-R, so maybe I missed it for my spouse.  Don't know and the question doesn't come up again if I 'edit' her input, so ... 

As stated before, when I looked at the Forms View of her 1099-R and ensured the box for her CSA 1099-R was checked, it still didn't reflect her (spouse) insurance premiums in the Forms view of the Med Worksheet or the 1099-R Summary.  It only showed mine.  Did those forms show your test data/input?

I'll create a Test return for 2025, without transferring data from 2024 and ensure I select the CSA 1099-R for our separate inputs and check it again. 

Thanks again.  Have a good week. 

[VolvoGirl]

If you have the Desktop program you can save/copy your return with a different name to test in.  After I file and it has been accepted I save my return and add ACCEPTED to the file name.  Go up to File-Save As.  You can also use a copy to estimate for 2025.  

[Chuck C1]

Thanks, VolvoGirl.

That's what I do so I can input known & approximate data for the new year and ensure I have sufficient taxes withheld during the year.  No reason to give the Gov't more money than necessary just to get a big return. 

[Chuck C1]

Deleting and re-entering our CSA 1099-Rs worked this time.  Not sure what the issue was before and like I said previously, when I just 'edited' the 1099-R entries, the question of what type of 1099-R being entered was NOT repeated.  Also when I checked or ensured the box in the Form View for our 1099-Rs was for CSA, it didn't initially show the insurance premiums total correctly in the 1099-R Summary or Med worksheet.

For future years I will ensure that the correct 1099-R form is chosen when entering data, and will not just transfer all data from a previous year.  It would be great though if TTax Programmers would ensure that the question of what type of 1099-R being entered was always asked again if/when any 1099-R entered was edited.  That would/should ensure all is correct.

Thanks again for your assistance and troubleshooting expertise!

Have a great tax season!

Chuck