ACA medical deduction not reducing self-employment income

[mweiz]

My husband has health insurance through his company, so I entered his premiums that he paid on Schedule A.

I have health insurance for myself and my son through Covered California.  I have W-2 income as well as self-employment income.  I'm trying to reduce my self-employment income to zero, by applying a portion of my health insurance premiums to Schedule C, and the remainder going to Schedule A.

In years I didn't have Covered California, this happened automatically.  This year it's not working.  Turbo Tax is applying the entired amount I paid to Schedule A, and I'm paying tax on my self employment income.

I entered the premiums on the Affordable Care Act schedule - but it doesn't indicate that I am paying the premiums.  It doesn't ask if the ACA is for myself or my husband.  

Any help would be greatly appreciated.

[MaryK4]

Unfortunately, you cannot claim self-employed health insurance for the months that you or your spouse has health coverage available through an employer.  See Deducting Health Insurance Premiums If You're Self-Employed.

[mweiz]

Just to be sure I understand - I never had health insurance through my employer, but because my husband did, I can't deduct what I paid via ACA from my self employed income?

[MayaD]

That is correct. 

To qualify, you need to meet all of the following criteria:

• You make a net profit, meaning you generate an income and do not operate at a loss.
• You don’t have other health insurance options. In other words, you can’t use this deduction if you are eligible for coverage through your or a spouse’s employer.

Self-Employed Health Insurance Deductions