Actual 2024 income below estimate during healthcare enrollment. Why is TT saying that 1.2k of health insurance discount must be paid back??

I'm looking into this on behalf of a family member who is using TurboTax. The ACA health insurance marketplace is supposed to have a straightforward mechanism of subsidy and how that subsidy gets adjusted at tax time: if actual income is different than initially projected, then the subsidy gets recalculated and the difference has to be paid back or is added as a tax refund.

I downloaded the "2024 Marketplace Eligibility Notice" that is available for this person's account, which lists the estimated 2024 income.

 

 

Actual income for 2024 is actually lower than the projection during sign-up.

So, then why is TurboTax saying that some of the subsidy needs to be paid back??
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I'm extremely confused! Is anyone able to help and explain this?