Can I take the ACA premiums paid medical expense deduction if I pay for my insurance, but am not self employed?

[LGW2]

This discussion thread is about self employed people and ACA premiums, but I am unemployed (and have been for the whole 2023) so does the same advice apply to me? Can someone tell me if I am eligible to take this ACA medical premium paid deduction and do I have to manually enter it? Or, is this automatically done via the 1095 A (and corresponding form 8962)?  I pay for my ACA premiums because I make too much passive income to qualify for Medicaid. In the TurboTax Premier version (non business, I bought the software CD), under the "Additional Medical Premiums" question, on-screen, TT  instructs NOT to include the ACA premiums paid among a list of other things not to include. This doesn't make sense to me. The money I have/make, I pay taxes on it and I pay for this insurance out of pocket and since I'm not employed, there is no employer paying this for me.  I did enter in the 1095 A form information into TT, but I don't see any of the premiums I paid be automatically included under Medical and Dental Expenses in Schedule A.  Maybe I've been struggling with TT for too long and I have missed something or this is a TT error (on screen instructions are incorrect, software doesn't automatically add in the premiums to Medical Expenses) .  BTW,  I am itemizing and it  makes sense to itemize over electing the Standard Deduction.  Also, I only got a $12/mo ACA advanced credit (because I was off a bit on estimating my income for the year), but had to pay it back because I made too much and didn't qualify for the advanced credit.  Your help would be appreciated. Thanks.

[DavidD66 · Accepted solution]

You can deduct your ACA premiums (net of any credit/subsidy you received) as a medical expense on Schedule A.  That is a completely different deduction than the self-employed deduction for health insurance.  If the amount is not transferring automatically then enter the total net amount you paid for medical insurance as an itemized deduction.

[Bsch4477 · Accepted solution]

Deduct premiums you paid as an itemized medical expense on Schedule A. You can only deduct an amount of total medical expenses greater than 7.5 percent of your AGI. 

[LGW2]

Thank you for the succinct explanation! I now need to amend my 2022 taxes since I didn't take the ACA premium paid deduction last year for the same reason.