Why is Premium Tax Credit 0? Over 400% of FPL, but Inflation Reduction Act removed income phaseout and reduced costs to 8.5% of income. Without PTC, costs is about 30%.

When inputing data, it is showing 0 premium tax credit, meaning repayment of full marketplace health insurance premium, over $20k.  Income was over 400% of federal poverty level, about 90k total, but with recent legislation, my understanding is incomes over that level would qualify through 2025 and costs would be limited to 8.5% of income.  In this case, roughly 8k.  I know under the original guidelines, the income would be too high, but with the ARP and Inflation Reduction Act I thought the PTC was still avaible at this income level.  What am I missing about how this PTC works?