Neither will Turbotax. Form 8962. the PTC is based on family size, household income (line 3), the federal poverty line for the family size (line 4). then a ratio is computed - line 3 divided by line 4 = 5
a line 7 % is determined based on table 2 in the instructions. then in the monthly section, there is a calculation of the premium tax credit you should have gotten (column e) and what you got is in column f. if you got more than allowed you pay some or all of it back. Notice that the fact you had your own insurance is irrelevant to the calculations.
in other words, the more the family makes the smaller the PTC allowed. the fact that certain members have private insurance never enters into the calculations.
The way the government looks at the situation is the more you make the smaller the amount the marketplace insurance premium it will pay.
The glitch, if any, is in the law.
