Your comment to manually compute it led down that path, but ultimately made me wonder if the 1095-A was correct...form 1095-A, Part III, Column B had NO AMOUNTS on it. Did a search, and in fact, healthcare.gov conveys that if this is the case, the form is wrong. And gives a tool to recompute this. Once I added that info, BAM a nice credit computed. Thanks! 🙂