I appreciate the reply, Mike.
I apologize for the trouble - I discovered the "problem" was me. I did not consider that the 8.5 x 5.5 worked and the 8.5 x 11 did not because the 8.5 x 11 (two-up) was such that the leading edge of the image was the top of the image. With the 8.5 x 5.5 (one-up), the leading edge of the image was the right side. I was not comparing apples to apples. See screenshots.
You said "I have in Photoshop two-up on a canvas size of 8.153 x 10.253". What are you accomplishing there, and why such an oddball canvas size? You can't fit two 8.5 x 5.5 prints on an 8.153 x 10.253 canvas. So I'm not sure what you are doing in Photoshop (and why).
My desired result is a folded notecard 4.25 x 5.5, which requires paper size of 8.5 x 5.5. My "image" (the photo on the front of the card and the text on the back) has a minimum 0.25" border on all sides, hence my thinking that what I wanted to do should work.
Once I cropped the canvas size to 8.0 x 10.6, it worked. I have learned (for the nth time) that the printer/software doesn't know the difference between canvas size and image size.