Yeah.. I know EXACLTY what you're talking about.
Your best bet is to get a butter knife or something very slim. DON'T USE FORCE.. because you can't really see what you're doing. My tips for this are:
1. Line it up properly so that it's exactly where the opposing side tab is
2. Be gentle - If you are straining then you don't have the clip under the knife
3. Take the top tab off first and then the bottom
I swap my LED's without removing the wheel, with very little problems after I followed these steps. The housing clips are the worst part by far.