If you are claiming her as a dependent, the Premium Tax Credit is based on your income instead of her income. Basically, the IRS is saying if you are claiming someone as a dependent, then you are responsible for their health insurance as well.
So depending on your income, your filing status with and without claiming her compared to the $3,000 you have to pay back of the Premium Tax Credit, you may find it better not to claim her. You can remove her from your return and see what your numbers look like compared to what they look like with her on the return.
If you are married filing jointly or head of household because you have other dependents, your only benefit for claiming her is the $500 Non-Refundable Other Dependent Credit unless you are itemizing and she has a large amount of medical expenses. Medical expenses are only deductible in excess of 7.5% of your AGI and the total of your itemized expenses would need to be greater than your standard deduction.
How to Reconcile Your Premium Tax Credit
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