Holy Crap, if I enter a $10,000 IRA ($5,000 each) they qualify for about $10,000 in refundable PTC, that is huge.........and without that entry, Pro-series is just wrong with its computation of both deductible health insurance and the Premium Tax Credit........because they are right on the edge of the 401%, are they going to fix this?  Everybody be careful with this, it's a bigger deal than you may think when you are close to the 401%. In my case it was just obvious that the amount of deductible health insurance was wrong.