Thanks - I feel like I know what I'm going to do - and to be clear for any who search on this topic - I haven't filed yet, but do need to file multiple 1095s to get my premium tax credit. Changing the prepaid subsidy from $0 to $1 changed my tax bill by over $10,000 due to the $1 causing the form 8962 to calculate. I suspect many who have $0 in the prepaid premium subsidy column of the 1095 are going to miss this as the form is hidden in background unless you know to look for it to see what is happening.
thanks everyone for the help on this and giving me the ideas to solve what's happening.
