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You posted your question from online TurboTax. Home and Business is a desktop download version of the software. The online versions are Deluxe and Premium. If you have self employment income you need online Premium.
And if you do have the Desktop Deluxe version you don't have to upgrade. All the Desktop versions have the same forms, but you do get more help in the Home & Business version. In the Windows Desktop program you can upgrade to Premier or Home&Business at the bottom of the screen.
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