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When I enter 0/0/0 his 8962 says Tax family 0 and the only other numbers are 0/0/0 in Part 4. The form just seems incomplete. If I enter 15/15/15 then he owes $800 and has to Pay APTC back.  If I enter 15/blank/15 then he owes nothing. I don’t know if because he is under our insurance as a family and our income, he wouldn’t have to pay more now that he makes money. If he were a dependent with tax return required to be filed his income would be added, my premium figure on line 7 would increase and I’d owe money if I took all the APTC. My feeling is that the I would owe money.  I just don’t know if it could come down to that family policies are cheaper and I (he) wouldn’t owe extra