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@Mike12321 wrote:

In this case the insurance co said there was a $3000 credit, so that is a lot of money to leave on the table.

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But as I pointed out above, would it even change the Premium Tax Credit?  In many cases it would NOT, and even if there was guidance, the guidance in those cases would say that nothing needs to be done.

There is almost no point in asking the IRS about it.  They have specifically said there is no guidance yet.