@GayleS03 - can you please go back and answer my questions. I wonder if there isn't a misunderstanding on what the credit is:
<<After entering all other info (including the 1095-A), the credit is there when the income exceeds the poverty level, but if I change the income to a lower amount (below the poverty level), the credit is removed. Is there a solution? >>
that is the way it works. But you are using the word 'credit' - are you meaning the amount you owe goes up or down?
Again, when you sign up for ACA, you estimate your income. When you complete your tax return, you know your Actual income. if the income is higher than you estimated, you OWE the IRS. The Premium Tax Credit REDUCES the refund.
but if your income is below the FPL, then you do not have to pay back the credit.
In your test scenarios, what is on line what is on lines 5 and 29 of Form 8962 for each scenario. Line 29 is the amount you OWE the IRS. if your income is higher on the tax return than what you tell ACA, you normally OWE (unless your income is below the FPL).
