@pferris9 wrote:
So, should she count MY income (which is primarily Social Security) when figuring "household income" - or just her own (if she's the only one using the ACA plan?)?
Yes, the Premium Tax Credit is calculated using the entire income on the tax return. So that includes both of your incomes. If she only told the Marketplace about her income, that is why you have a large repayment.
You should test out the results of both of you filing as Married Filing Separately. It will reduce her repayment, but will likely cause an increase of income tax. But you should try it out and see which results are better.
