You never take a tax deduction for anything that was already paid with pre-tax or non-taxed dollars. That's a universal principle. You can't subtract money from your taxable income if it is never in your taxable income in the first place.
Thank you for making it clear for me as far as taking a deduction on the federal form. But as a followup, does this principle also apply to the KY state return? That is what I am not clear on. Since Turbo Tax is asking me if I want to take the deduction, though I did NOT take it on the Federal due to the pre-tax reason, I didn't know if KY might ALLOW pre-tax premiums to be deducted, even though the Federal does not. Turbo Tax needs to add more explanation on that screen. I wish they wouldn't ask if I want to take the deduction on the KY form because it confuses me. If I didn't take it on the Federal, I shouldn't take it on the state, and they shouldn't ask if I want to do it, or they need an explanation as to which circumstance it would be allowed to take it. Thank you!