Unfortunately, no her not being on the plan does not change how the PTC is calculated. The total household income is used to calculate the credit even if only one individuals is using the Marketplace insurance. You must include all of your family's income for the entire year. Per the IRS, "For purposes of the premium tax credit, your household income is your modified adjusted gross income for the year plus that of every other member of your family (see Q6) who is required to file a federal income tax return"
See the link below for more information:
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