This question is for tax advice, not ProSeries issues. I have a client who overestimated her 2018 income when signing up for Premium Tax Credit for Marketplace health insurance. She made her monthly premium payments but received no APTC (Advance payments) as it turns out, she has an NOL from 2017 that completely wiped out her 2018 income down to -0-. Therefore she is not getting any money back against the premiums paid because it is my understanding that since she received not even one APTC, she has no recourse to get any of her PTC payments back on her tax filing for 2018.  I followed form 8962 and that seems to be correct. However, taxpayer called the "marketplace" and they told her that she should file the form and get some of her premiums back. I don't read it that way.  Thank you to whoever responds to this question.