Thanks for the update.
It is difficult to address this without all the information from your return (which, of course, we cannot see here on the Community).
But at the beginning of the year, there was an estimate made based on a family size of 2, This drives the household income as a percentage of federal poverty line (line 5 on the 8962). Your PTC amount is dependent on the size of this value.
Note that line 4 (Federal poverty line) depends on the size of your family.
If you reduced your family size by the end of the year, then the percentage on line 5 almost certainly increased, likely to beyond 401%, which would disallow any PTC.
Again, this calculation is based on your ANNUAL information, not monthly. It does not seem fair, but if you read the instructions for form 8962 carefully, you will realize that this is the case.
The same thing catches taxpayers who start off with low income (and estimate for the ACA), but got a great job halfway through the year and end up making a lot of money. Even though you would think they would get to keep to PTC from the first half of the year, they can't.
On your 8962, is line 5 401% or more?
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