I'm currently doing my tax return. In 2017, I paid 12 months of health insurance premiums out of pocket, on my own private plan bought through the Marketplace. In the tax return, it instructs NOT to put these premiums in the Medical Expenses Deduction section if they are from an Affordable Care Act plan.

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You put them in later when it asks for Form 1095-A info. So I did this. But it had no effect on my return. I got no Premium Tax Credit advance during the year (all 12 months of this are $0.00 on form 1095-A). What's going on? Why did it instruct me NOT to enter my premiums in that previous section, but then also not give me any adjustment for entering them in the next section?

Edits from comments:
1. I'm single, income is well within the ~11,000 - 47,000 window
2. I'm not eligible for Medicaid in my state
3. The IRS "wizard" for the Premium Tax Credit says I'm eligible

  • To add: I got $0.00 in advance Premium Tax Credit, I'm eligible for it, but Turbo Tax says 0.00 was the correct amount of the credit? That can't be. Feb 6, 2018 at 1:20
  • Single, and my total income for the year was $23,000. I'm not sure how to turn that into the modified adjusted one Feb 6, 2018 at 1:25
  • @HartCO Looks like my MAGI would be around 21,000 because of student loan interest. Either way, well inside the eligibility for the Premium Tax Credit. Feb 6, 2018 at 1:33
  • Just trying to confirm you qualify since that seems the most likely reason. Does your employer offer coverage that you opted not to take? Parents can claim you still? Hard to root out, sadly.
    – Hart CO
    Feb 6, 2018 at 1:33
  • 1
    @WakeDemons3: Hmm, it seems you are right because NC is one of the states that hasn't expanded Medicaid under the ACA.
    – user102008
    Feb 6, 2018 at 16:41


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