"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." Are you sure this wasn't a marketplace plan? If you did not have insurance through the marketplace, you should not have received a 1095-A with premiums in them. Since you received a 1095-A, I would guess the plan you had, even if you got it through a broker, came from the Marketplace.
If your income is less than 400% of the Federal Poverty Level for your family size, you can qualify for the Premium Tax Credit. So, it is possible that you do qualify for the credit.
Since you did not receive the credit in Advance, if you are certain you do not qualify for the credit and do not want the credit, you do not have to file form 8962 or enter the 1095-A.
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