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What I am looking for is a way to save ($13,653 - $11,605) = $2,048. But I can't figure out how to do it.

What you want to do is pay attention to line 1 of your schedule A.

Skipping to the crux of the issue, what should appear on that line on your final return is the total of the following:
-Out of pocket medical expenses (excluding insurance premiums). So medical co pays and deductibles. Prescriptions. Dentists. Hospitals. Eye doctors and glasses (or contacts).
-Medicare premiums deducted from DH's social security payments.
-Medicare supplemental insurance you paid for directly (if any).
-LTC premiums (limited by your ages if applicable).
-$16,734 of health insurance premiums paid.

I'd start by not making any extra entries. Because your net health insurance premium after accounting for your final Premium Credit is deductible as a medical expense, I would expect most software to carry that to line 1 of schedule A. So total up those items I mentioned above and see how that compares to what your software shows. If they match, you're good.

If they don't, you'll need to figure out what the software has included and what it has left out. I would hazard a guess that you'll need to enter as an expense either the full premium (16,735) or the amount of the advance premium tax credit (13,653).

--Peter
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