The amount of the Premium Tax Credit you are eligible for is based on your income for the entire year, not just the period during which you had Marketplace Insurance. If you did not include the amount you received before signing up for the Marketplace Insurance your Advance Payment of the Premium Tax Credit may have been more than what you were actually eligible for based on your total 2025 income reported on your tax return. If this is the case, then you would be subject to Repayment of Excess Advance Payment of the Premium Tax Credit. For additional information see Part III of:
Instructions for Form 8962 (2025) - Premium Tax Credit (PTC)
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