I am self-employed, 11 mos of ACA premiums and 1 mo Medicare. I entered Medicare premium on Sch C NOT with SSA-1099 info, but amt is still included on Sch A. Help!

[DianeW777]

It seems you entered the medicare premium in two places. Make sure you enter it only on Schedule C and not Form 1095-A. It will not carry from the Schedule C to Schedule A.

Update here with details after you double check your entries.

[user17722056080]

Thank you very much for your reply.

I have double- and triple-checked my entries (it might help you to believe this if I tell you that I am a retired bookkeeper/accountant 🙂)

• I only entered my December 2025 Medicare premium on Schedule C. I did not enter it with the information from my SSA-1099.
• I entered all of the information from my form 1095-A accurately for January thru November.

Here is what my total medical insurance premiums were for 2025:

• I paid $2,266 ACA premiums for January through November. This number is supported by the numbers on my 1095-A (monthly premiums less monthly advance payments of PTC)
• I paid $185 Medicare premium for December
• Form 8962 is calculating a repayment of advance PTC of $1,331, which is flowing through correctly to my 1040

The total of premiums paid plus the repayment is $3,782, which is what I expect my self-employed health insurance deduction to be.

Turbotax is showing $3,595 for the self-employed health insurance deduction and $187 in medical insurance premiums on Schedule A. The total is correct - $3,782 - but I can't for the life of me figure out why it's reporting $187 with my medical expenses on Schedule A.

The $187 isn't exactly the amount of my Medicare premium, so I was likely wrong about what was happening.

If you have any insight, I'd be grateful!

[ThomasM125]

Since you have a premium tax credit, you have to factor that into how much you can deduct for your self-employed health insurance deduction. You can't get the deduction and the tax credit using the same insurance expenses. There is a complicated calculation that TurboTax uses to determine how much of your insurance premiums are deductible for self-employed health insurance purposes. Once that amount is determined, any excess is deductible as itemized medical expenses. You can learn more in this IRS article.