The program will choose which is better for you, standard or itemized. If you are MFS, that is an exception, you must file the same as your spouse. You can look at your 1040, line 12 to see if you itemized or took the standard deduction. If you forced an override of itemizing instead of taking a larger standard deduction, you can amend last year's tax return. See How do I amend my federal tax return for a prior year?
Premium repayment is based on your income and choosing standard over itemized would reduce your income, if indeed, standard deduction is best. See Federal poverty level charts. Once your income is 4 times the federal poverty level, you will need to return all excess premiums. You can look at form 8962 line 29 to see your repayment amount.
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