We only received a tax credid from our 1099R for insurance premiums of $444 but it shows we paid $5,975.04 why is this?

[SweetieJean · Accepted solution]

Insurance premiums are an itemized Medical deduction. But only the amount of Medical that is in excess of 10% (7.5% if age 65+) counts.

Furthermore, your total itemized must exceed the Standard deduction.  A deduction is a subtraction from income, before the tax is calculated.  It is not a tax credit or a refund.