Folks, this may not be an issue at all. (sorry if this has already been mentioned since I didn't read the entire thread).
For 2021, if you and/or your spouse had unemployment benefits and you are MFJ then your over FPL will not exceed 133%.
Otherwise, for 2021 AND 2022 even if your level is over 400% FPL, you don't have to pay back the credit because of the new law. However, this only applies to 2021 and 2022. For any other year (meaning 2023 onward) the 400% rule would apply so plan accordingly. If you will be making more than 400% FPL, then don't claim any PTC or else you will have to pay it all back when you file your 2023 tax returns.
