I have gone through and entered all my information for my 2016 return online, just to find out that I need to use the download version so I can enter a insolvency workshe

No, you don't have to start over. (Included below is info on how to handle your insolvency.)

If you started your 2016 return in TurboTax Online and want to switch to the TurboTax software, here's how.

1. Save your online return as a tax data file.
2. Sign out of TurboTax Online.
3. Install your 2016 TurboTax software.
   • If you have not purchased TurboTax Desktop software, click here to select the product you need to complete your return.
   • Important: If your return includes a state, make sure you also install the corresponding state program(s), otherwise you'll get Error 539.
4. Once installed, choose File > Open Tax Return in the software program.
5. Browse to where you saved your .tax2016 file and click Open.
6. If you get an error, delete your tax data file and repeat these steps from the beginning.
7. (Optional) Once you've confirmed that your online return opens properly in the software, you can clear your online return.

https://ttlc.intuit.com/replies/5713860