Thanks George...  I'm used to seeing a statement for Sch 1 showing the 1095-C amounts and then a separate line "exclusion due to insolvency" to try to avoid the IRS giving a matching notice since the 1095-C amounts are not showing up on line 8 of the Sch 1.  But if I don't input the following below with the negatives it automatically takes the amounts to the 1040 and taxes them...

Cancellation of Debt (1099_C)

Chase Bank      1,882

BofA                  2,700

Exclusion         -4,582