Based on our adjusted gross income and the fact that we have an HSA balance I don't believe we qualify for a Marketplace policy or any Premium Tax Credit.
My spouse's last month on COBRA was September. We found a medical policy, outside of the marketplace for the last three months of 2023, where we pay a premium $400 less monthly than what the government's tax tool calculated as a monthly SLCSP.
For only three months this gave us a nearly $2,200 Premium Tax Credit on Form 8962. I understand the calculation on Form 8962, But still I don't think we're entitled to such a high Premium Tax Credit, even if we are entitled to a credit at all.
