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@mdaddycpa82 wrote:

Yep...it's at 83%

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The general rule is they don't qualify for the credit if they are under 100%.  So it seems like they don't qualify.

There are a few exceptions to that rule, one of which includes receiving Advance credit because the Marketplace thought they would qualify.  That is why when you enter $1 as Advance credit it triggers the calculation  ... because they meet that exception to the usual rule.  But with no Advance credit, they don't qualify for that exception.