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Paying back APTC & yet insurance is unaffordable

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Finding this confusing. Taxpayer had coverage through the market place for 4 months and received advanced premium tax credits. Her income is above 401% so she is paying those premiums back because they should not have been issued. When I use the affordability worksheet she qualifies for the affordability exemption because the bronze plan in our state is more than 8.13% of her income. Is this correct? 

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