topic 1095-A does not cover full amount of premium paid, how to account for the rest? in Get your taxes done using TurboTax

1095-A does not cover full amount of premium paid, how to account for the rest?

tnorb — Mon, 23 Feb 2026 12:46:03 GMT

I am self-employed with a HDHP purchased on a state health exchange. Received 1095-A which shows how much the government paid each month. However, that amount is less than the actual amount due, and I paid the difference out of pocket. On TT 2022 desktop, the dialog in the Health Care Expenses section says DO NOT enter any premium amount if you received a 1095-A. So my question is, if the 1095-A dialog only accounts for roughly 80% of the premiums, and I paid 20% out of pocket, where do I enter the 20% amount if not here? Running the return both with and without the 20% value in the health care expense dialog did make a difference in the outcome. Thanks.

Re: 1095-A does not cover full amount of premium paid, how to account for the rest?

MaryK4 — Sat, 11 Feb 2023 23:09:56 GMT

TurboTax will pull the Monthly Premium Amount from the 1095-A which is the total cost so it will pick up the amount not covered by the credit and move it to the Schedule C as an expense.

Re: 1095-A does not cover full amount of premium paid, how to account for the rest?

tnorb — Sat, 11 Feb 2023 23:37:16 GMT

Thanks for the response. So I enter $0.00 in the health care expense dialog?

Re: 1095-A does not cover full amount of premium paid, how to account for the rest?

TeresaM — Sun, 12 Feb 2023 15:44:01 GMT

Yes, if you linked the Form 1095-A with your business in the ACA health insurance section, it will automatically flow into the Schedule C. You will not have to enter it there. If you have other health insurance, such as vision or dental, which is not included in the policy on the Form 1095-A, you may include that directly in your Schedule C.

Re: 1095-A does not cover full amount of premium paid, how to account for the rest?

tnorb — Sat, 18 Feb 2023 19:48:30 GMT

Thank you.