topic HELP!!! Self-Employed health insurance deduction with 1095-A NOT populating on Schedule 1!!! in Get your taxes done using TurboTax

HELP!!! Self-Employed health insurance deduction with 1095-A NOT populating on Schedule 1!!!

ochang — Tue, 10 Feb 2026 10:28:12 GMT

I've been doing this for over 4 hours, like everyone online, ready to pull hair off!

I've read just about every post that is relevant that is 2024 as old ones are not helpful. I've been using TurboTax for over 15 years, so I know what I'm doing, I believe.

It won't even let me override on Schedule 1 Line 17... what do I do???

I have BOTH Schedule C and S-Corp K-1 businesses, so I can use either. Tried both, and it only populates in Schedule A, which then zeros out if it doesn't meet the medical expense threshold. I NEED IT TO POPULATE ON SCHEDULE 1 - Line 17!

Re: HELP!!! Self-Employed health insurance deduction with 1095-A NOT populating on Schedule 1!!!

DavidD66 — Thu, 29 Feb 2024 00:21:45 GMT

To claim the self-employed health insurance deduction in TurboTax Online:

Click on Search and type in "Self-employed health insurance deduction"
Click on "Jump to self-employed health insurance deduction"
Click Review next to your Business
Click on "Add expenses for this work"
Click on "Less common"
Go to the second page of less common expenses and scroll down to "Health Insurance Premiums", check the box and click on Continue
Enter your health insurance premiums you paid for yourself, your spouse, and your dependents (under age 27) in 2023. Don't enter premiums you paid for your employees or premiums paid through Healthcare.gov or your state marketplace.

Be sure you only enter the net premium you paid. Do include any Premium Tax Credit you may have received.

Re: HELP!!! Self-Employed health insurance deduction with 1095-A NOT populating on Schedule 1!!!

ochang — Thu, 29 Feb 2024 00:13:53 GMT

I had downloaded TurboTax Home and Business, I don't think I have the ONLINE version.

I have be mindful not to click on anything other than 1095-A Marketplace health plan and clicked on "I own a business" too.

Re: HELP!!! Self-Employed health insurance deduction with 1095-A NOT populating on Schedule 1!!!

ochang — Thu, 29 Feb 2024 00:17:07 GMT

THANK YOU so much for coming to the rescue! Can't emphasize how frustrating this is, locked in a room doing this when I could be enjoying the day outside!

Re: HELP!!! Self-Employed health insurance deduction with 1095-A NOT populating on Schedule 1!!!

DavidD66 — Thu, 29 Feb 2024 00:20:12 GMT

You're welcome. One thing I did not mention, be sure you enter the net cost after any Premium Tax Credit You may have received. That amount will be on Form 1095-A

Re: HELP!!! Self-Employed health insurance deduction with 1095-A NOT populating on Schedule 1!!!

ochang — Thu, 29 Feb 2024 00:24:17 GMT

David, you need to walk me through it. Your instructions above did NOT apply to what I have. I am not using the online version. I downloaded the TT Premier onto my laptop. Please advise. I'd like to catch some daylight out there.

Re: HELP!!! Self-Employed health insurance deduction with 1095-A NOT populating on Schedule 1!!!

ochang — Thu, 29 Feb 2024 00:26:44 GMT

As mentioned, I have the MarketPlace 1095-A form completed and it didn't populate on Schedule 1, line 17 as needed. I found it populated on Schedule A but was reduced to "0" under Medical Expense which is NOT what we are going for.

Re: HELP!!! Self-Employed health insurance deduction with 1095-A NOT populating on Schedule 1!!!

VolvoGirl — Thu, 29 Feb 2024 00:32:38 GMT

Self-employed health insurance deduction goes on Form 1040 Schedule 1 line 17 then to 1040 line 10, as long as the expense is not greater than your net self-employment income. If it does exceed your net self-employment income it gets split automatically. An amount equal to your net self-employment income goes on Form 1040 Schedule 1 line 17 and the remainder gets added in to medical expenses on Schedule A.

BUT do not enter any Health Care Marketplace insurance you bought. If you enter the 1095-A and select the "Self-employed and bought a Marketplace plan" box, it will automatically include those premiums in the SE Health Insurance section. So you shouldn't enter it again on schedule C.

Are you married? Be sure that Schedule C and the the insurance are entered under the same name.

Re: HELP!!! Self-Employed health insurance deduction with 1095-A NOT populating on Schedule 1!!!

ochang — Thu, 29 Feb 2024 00:42:59 GMT

Thank you VolvoGirl for taking the time. I am not sure if I am just not explaining myself well and am frustrated.

I have ONLY 1095-A Marketplace insurance. I have NO other health insurance. I have checked the box for "Self-employed and bought a Marketplace plan" and it is STILL NOT populating on Sch 1, Line 17.

I have gone through all the Step-by-Step questions as I've done in the last 15 years with TurboTax. I also know how to go directly to the forms and override them when I have to. This time, I CAN'T even override 1040 Sch 1, line 17. It won't allow me to input anything. There's an hour-glass that leads me to Form 7206 which I have never ever had to complete before. On that form, there's NO provisions for 1095-A Marketplace numbers.

I am pretty sure I know how to read instructions. The expense is NOT greater than the income, so theoretically, it should have populated on its own on Sch 1, Line 17 and then 1040, Line 10 correct? It's NOT doing it.

Re: HELP!!! Self-Employed health insurance deduction with 1095-A NOT populating on Schedule 1!!!

DavidD66 — Thu, 29 Feb 2024 01:59:30 GMT

My apologies. Based on your previous reply I thought you had figured it out. Regardless of whether you had a Marketplace plan and received a Form 1095-A or not, the deduction goes on Line 17 of Schedule 1. I can't explain why the program is not transferring you deduction amount to Schedule 1. The reason the program tells you not to enter marketplace insurance in the Business Expense section is to make sure the correct amount is reported. I suggest you calculate the amount of your deduction and enter it in the business expense section. To do so in TurboTax Desktop;

Go to the Business Tab
Click on "I'll choose what I work on"
Click Update for Business Income and Expenses
Click "Edit" next to your business
Scroll to "Business Expenses"
Update or Start "Other Common Business Expenses"
Update or Start "Insurance Payments"
Add your net cost for Health Insurance

Be sure to adjust your premium amount for any additional Premium Tax Credit received or excess payment repayed, which will be reported on Form 8962, line 26 or 29.

Re: HELP!!! Self-Employed health insurance deduction with 1095-A NOT populating on Schedule 1!!!

ochang — Thu, 29 Feb 2024 03:23:58 GMT

Thank you,. David!! A solution at least.... though I hope it won't red flag or trigger anything since the 2 other businesses that I could include in the business expense are both negative this year, so this would make it more negative.

Was hoping to do it the regular way. What's strange too is that it won't let me override, as I've done in the past.

Might you suggest uninstalling then re-install?

Re: HELP!!! Self-Employed health insurance deduction with 1095-A NOT populating on Schedule 1!!!

DawnC — Thu, 29 Feb 2024 04:05:21 GMT

Not yet. You said you have multiple businesses. If you have multiple Schedule Cs on your return, TurboTax uses the first business listed. Since you have the desktop version, can you change the order of your Schedule Cs to have the profitable one listed first? And then delete your 1095-A and then re-enter it. 🤞

And one other thing - if you are editing the expenses in on Schedule C in Forms Mode, you need to use the Schedule C worksheet, not the Schedule C

Re: HELP!!! Self-Employed health insurance deduction with 1095-A NOT populating on Schedule 1!!!

ochang — Thu, 29 Feb 2024 04:05:33 GMT

Dawn, I entered the businesses, as in previous years, through the Step-by-Step process.

They are showing up in these order, which may not have to do with the order entered? It's the order of the Step by Step interview.

1. Schedule C loss

2. Schedule E loss

3. Schedule K-1 S-Corp income

Any new tips? Are you suggesting I delete Schedule C and E then?

Re: HELP!!! Self-Employed health insurance deduction with 1095-A NOT populating on Schedule 1!!!

DawnC — Thu, 29 Feb 2024 04:15:16 GMT

No, do not delete anything. If the Schedule C has a loss, you can't enter a health insurance deduction for that business. For the K-1, the S Corporation can either purchase the policy in your name or reimburse you for the premiums you paid.

You may be able to use the Self-Employed Health Insurance (SEHI) deduction if you're at least a 2% shareholder in an S Corporation. To claim this deduction, the health insurance premiums must be paid or reimbursed by the S corporation and reported as taxable compensation in box 1 of your W-2.

To claim the SEHI deduction in TurboTax, you'll need the K-1 that the S Corporation sent you. Here's how to enter it and claim the deduction:

With your return open in TurboTax, search for K-1 and select the Jump to link.
Select Yes to Did you receive any Schedules K-1 or Q?
Select Start or Update next to S corporations (Form 1120S) and follow the screens, filling out info as you go.
On the Check boxes that have an amount or are checked on the form screen, select Box 17 Info and any other boxes that contain info on your K-1.
Select Continue.
On the Enter Box 17 Info screen, select AD - Other Information in the Enter Code field.
Enter the amount and select Continue.
Select Continue to skip the first Enter Code AD Detail screen.
On the second Enter Code AD Detail screen, enter Shareholder's Health Insurance Premiums in the Description field.
Enter the amount and select Continue.
Select Continue to skip the How to Enter Code AD Information screen.
On the Other Situations screen, select I personally paid health insurance... and then Continue.
On the Self-Employed Health Insurance screen, fill in the W-2 box 5 amount and the amount of health insurance premiums you paid (this may be on your W-2 in box 14).
- If you purchased insurance through Healthcare.gov or your state marketplace, leave the second box blank.
Select Continue.
On the Long-Term Care Insurance screen, enter any long-term care premiums and select Continue.
Select Yes or No to Does your K-1 have a code V in Box 17?
- If you selected Yes, follow the screens until you reach the S Corporation K-1 Summary.

Re: HELP!!! Self-Employed health insurance deduction with 1095-A NOT populating on Schedule 1!!!

VolvoGirl — Thu, 29 Feb 2024 04:16:38 GMT

Will this help? See this old thread. It talks about how to deduct the 1095A from your K-1 self employment. You need to unlink it and manually enter it.

https://ttlc.intuit.com/community/tax-credits-deductions/discussion/1095-a-and-self-employment-medical-insurance-deduction-deducation-is-way-lower/00/2621733

Re: HELP!!! Self-Employed health insurance deduction with 1095-A NOT populating on Schedule 1!!!

ochang — Thu, 29 Feb 2024 04:26:43 GMT

Wow, Dawn... seems like a viable option. Question though... I have already filed my S-Corp return and Health Insurance has never been expensed through the S-Corp because my understanding is that if I got paid for Health Insurance, that my 2 other part-time employees have to be paid for it too? So I have never done it. I used my Distributions and W2 salary to buy my own Marketplace Insurance. Will the solution you offered entail my having to refile my S-Corp or amend the W2 since it wasn't entered as an expense? The same has always been true with the HSA. I' had entered that on box 12 with W as advised through TurboTax which is non-taxable income for me. So this year, for some reason, it's not appearing as an HSA deduction.

Re: HELP!!! Self-Employed health insurance deduction with 1095-A NOT populating on Schedule 1!!!

ochang — Thu, 29 Feb 2024 08:28:31 GMT

DawnC and VolvoGirl, 😍 thank you BOTH for coming to my rescue. It sure takes a village!!

For those who are in a similar situation where you're self-employed, bought 1095-A Marketplace Health Insurance AND would like to take the Self-Employed Health Insurance (SEHI) Deduction on Schedule 1, line 17 but it wouldn't auto-fill... OR when it auto-fills, the numbers are duplicated on Schedule A and Schedule 1. Here's WHY and the SOLUTION.

As mentioned by Dawn C, IF your business is a LOSS, you can't take the SEHI, that is why it won't populate. THEREFORE (with Form 1095-A), if you have multiple businesses, make sure you FIRST (THIS IS KEY) link to a business income that has a PROFIT. In my case, it's my K-1 S-Corp business. I didn't know (have Schedule C and Schedule E businesses, and both were LOSSES) and I had linked to them first (as I wasn't aware it mattered). It wouldn't autofill on Schedule 1 to take the SEHI. When I later tried to link to my K-1 profitable business, it still wouldn't auto-fill Schedule 1, Line 17. There's probably a bug in the TurboTax software (boo!), so that if you made a mistake and clicked on a business loss (in my case Schedule C or E), it is unable to undo itself, as much as I tried linking the 1095-A to the K-1 business. It kept showing up on Schedule A as a Medical Expense (which you won't get the full deduction as there is a threshold to meet) and I was unable to OVERRIDE on Schedule 1, Line 17.

I followed DawnC's instructions, except in my case Sch K-1 business, for Box 17, I entered V, then clicked CONTINUE (there wasn't an AD option in my dropdown) and in my previous year, I had a "V" so I kept the same. Click on the box that says "I personally paid for health insurance...." and CONTINUE. Then enter the Medicare Wages (box 5 of W2) and Health Insurance Premiums you paid boxes (in my case, the monthly premiums I paid x 12, plus the return of premium credit). Disregard the footnote that tells you not to enter Marketplace Health Premiums. This is the ONLY easiest workaround that will get you your deduction AND be able to enter your 1095-A data to properly calculate if your Premium Credits were properly calculated and taken.

IMPORTANT

As helped by VolvoGirl, TT will enter your 1095-A premiums paid in Schedule A Medical Expense portion AND LINK to Schedule 1 Line 17 (which then showed duplicated values). I had to MANUALLY REMOVE LINK at Form 1095-A so it's not attached to any businesses (since I have manually entered the Premiums in Box 17 of Sch K-1), AND MANUALLY REMOVED Schedule A Line 1 Medical Expense Worksheet for Health Insurance Premiums so that it is not double inputed in your return and mess up calculations.

This is ultimately a TurboTax bug which they have clearly NOT FIXED over the last 2 years as I've read too many posts expressing similar frustrations. When 1095-A is linked to a business, it populates on Schedule A as well as Schedule 1, which should NOT be the case. I share the same sentiment, that I have paid for TurboTax for ease of a tax return, only to have wasted my whole day (as of this writing, 14 hours) working around and testing, so that I can file. Hope this helps people so they don't have to troll the internet for 7 hours before help came. Thank you ALL for helping!

Re: HELP!!! Self-Employed health insurance deduction with 1095-A NOT populating on Schedule 1!!!

feligar — Tue, 02 Apr 2024 15:01:46 GMT

I just spent 3+ hours with Turbo Tax plus countless of my own hours trying to get 1095-A reporting, Premium Tax Credit, Schedule 1 of 1040 and Schedule A to work (Desktop version). It STILL didn't work even after over 1 1/2 hours with a TT CPA trying to get it to work. I too have used TT for many many years, and I have been a tax preparer myself. I followed the TT instructions for self-employed health insurance premium payments through the marketplace. TT created a phantom number and footnote on Form 7206, the SE Health Insurance Deduction worksheet. Also form 7206 did not appear in my side menu, it was invisible. it was by seeing a reference to that form on this forum that I found it. Short version of story: TT CPA did some research on her own, contacted her contacts at TT to tell them what is going on. Her colleagues didn't believe her when she told them the calculation was simply not working and that there was a mystery number that was included in the calculations. There was no way to override, or even right click on fields to find source of calculations like there used to be. TT CPA could not convince her colleagues that that is what was happening even though she saw it by viewing my screen. TT CPA was wonderful, sticking it out until we found a workaround that appeared to work correctly, at least for 1040 Schedule I (unlink 1095-A from business, enter health insurance premiums on C, zero out 7206), That deduction was correct and the Premium Tax credit calc and Schedule C all appeared correct (total deductions on C ignored health ins premiums which is correct). That was late last night, so I put it aside until this morning to double-check before filing. it's good that I did because although everything else is correct, the health insurance premiums now show up on Schedule A too! There is something wrong with these calculations. The fact that TT knew about this last year and didn't fix it is very concerning. I just happened to know what to look for. (Oh, and running a review always showed "no errors.") I ended up entering a negative number equal to my insurance premiums on Schedule A on a line in the worksheet that is for "additional medical expenses." That zeroed out TT's error and made my Schedule A correct. Wish I could tell the TT CPA I worked with about this. She said she was going to run my scenario on her desktop and show her colleagues what is going on. She doesn't know about the Schedule A issue though since I discovered that after we hung up. Hope she sees it and that everything is fixed for next year.

Re: HELP!!! Self-Employed health insurance deduction with 1095-A NOT populating on Schedule 1!!!

CheeseHead12 — Tue, 02 Apr 2024 20:25:01 GMT

Having the same issue. Completing the 1095A information is NOT populating the Self employed information at all.

Re: HELP!!! Self-Employed health insurance deduction with 1095-A NOT populating on Schedule 1!!!

Vanessa A — Tue, 02 Apr 2024 21:09:16 GMT

Did you put a check mark in the box that says you are self employed and then select your business? This is the way to get it to transfer to become a self-employed health insurance deduction.

Do you have a profit? The Self-Employed Health Insurance deduction is limited to your earnings. Meaning, you cannot deduct more than you earned.

Look at Schedule 1 line 17 to see if you did or did not receive the deduction.

On the menu bar on the left that shows.

Select Tax Tools
On the drop-down select Tools
On the pop-up menu
Select View Tax Summary
On the left sidebar, select Preview my 1040

If you are using the desktop version, you can just switch to forms mode.