ACA premium credits and "what if" form

[sonors2056]

I'm trying to use the "what if" form to get an idea of my taxes for 2025.  My wife went on the ACA in June and after estimating our MAGI for 2025 she qualified for a small subsidy.  For some reason the "what if" form is saying we will have to repay all of it.  What's strange is the MAGI on the "what if" form is a little less than the MAGI we used when we signed up. Note our MAGI is not below the minimum required to qualify for the subsidy. My only guess is that the calculation used in the "what if" form is reverting back to the pre-covid parameters.

[M-MTax]

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