This is return,type in pro series and see what you get

married filing joint both under 65

ira distributions $66585.00

1095a info

monthly Enroll premium 743.53

second lowest silver plan $1249.51

monthly advance payment $ 743.53

Fed tax withheld $6657.00

balace due $6938.00

now put 5000 contribution to ira

now shows refund of $2284.00

Why????   No earned income