Consider the bronze plan after the credit. This is from the Form 8965 instructions:
"Determining an individual's required contribution—
Individuals not eligible for coverage under an employer
plan. If you or another member of your tax household can't purchase
coverage under an employer plan, the individual's required
contribution is based on the premium for the lowest cost
bronze plan available through the Marketplace minus the maximum
premium tax credit that you could have claimed if the individuals
had enrolled in this plan.
For this purpose, use the lowest cost bronze plan available
through the Marketplace that covers everyone in your tax household:
For whom a personal exemption deduction is claimed on
your tax return,
Who isn't eligible for employer coverage, and
Who doesn't qualify for another coverage exemption.
For information on the lowest cost bronze plan you could
have purchased for your tax household, visit
www.HealthCare.gov/tax-tool or contact the Marketplace serving
your area. Subtract from the premium the maximum premium tax
credit that you could have claimed if these individuals had enrolled
in that plan. You can claim the exemption for unaffordable
coverage for the individual if the result is more than 8.13% of
your household income."
