Education

Thanks for your help.  I have one more question, and I should be done.  I received two Form 1095-A's.  There were two months during 2024 that I enrolled in healthcare on the marketplace for myself, my wife and minor son.  I received a 1095-A for that.  I also enrolled in healthcare on the marketplace for my nephew, over whom I am legal guardian, and received a 1095-A for him.  I am filing a filing status, MFJ return, and our AGI = $428,000.  I have determined that we are at more than 400% over the poverty line, so at 401 on line 5 of form 8962.  I have two questions, given our AGI is more than 400% over the poverty line, is it even necessary for me to file form 8962 at all?  It is highly unlikely that I will qualify for the PTC.  Second question:  If I have to file form 8962, must I total the amounts from both 1095-A's that I received on form 8962 or complete a separate form 8962 for each 1095-A?