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The Monthly Enrollment Premiums (what I would have paid, but did not due to the ACA Tax Credit) $16,734

What I actually paid out of pocket $4,650

Premium Tax Credit $13,653 (which I have to pay back)

So, just to be clear - since $13,653 + $4,650 = $18,303, which is more than the $16,734 in premiums - out of your pocket, you paid $1,569 for co-pays, prescriptions, etc. and $3,081 in premiums?

When I ran the software claiming $16,734 as a deduction, the tax software said that I could claim a large refund on my 2017 taxes. This does not make sense to me since I did not pay $16,734 out of pocket.

Your tax software should have already accounted for the $13,653 tax credit that you are paying back in as a deduction. It should also account for the Medicare premiums taken out of DH's SS check. All you should be putting in as medical expenses would be the $1,569 in co-pays, prescriptions and the $3,081 that you paid out of pocket for your premiums, for the total of $4,650. If you are putting in the $16,734, you are probably double-counting the $13,653, which would result in a large refund.

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