After doing some additional research I think understand better. The statement on Healthcare.gov seems to relate to the ARP Act of 2021 and the subsequent extension by the Inflation Reduction Act. It seems as though the maximum premiums are capped at 8.5% of a family's income meaning families receiving higher PTC amounts may still qualify. Based on the PTC we received when compared against our income, this 8.5% cap still puts us over the threshold for the credit and will need to repay.
