It is very confusing and gets more so as the years go by. It is also way over priced for a simple return. Next year I will definitely be looking elsewhere. It should not cost more that $49 or so for a return that has a w-2 and a couple of 1099's and some SS statements. Where does the "Premium" come into play? I have used turbo tax for many years but you have squeezed me out of the market.