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@Just-Lisa-Now- wrote:
The ones with PTC, Im waiting on, not sure Im comfortable with how the it effects the PTC....some people lose the net premium tax credit if their income is too low, do we HAVE to take the exclusion?

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There isn't any repayment of the Advance credit, so the excluded unemployment won't result in a repayment if the taxpayer's income falls too low.

If the taxpayer did not receive any Advance credit, you are right, making the unemployment non-taxable could disallow the PTC for 2020.  Offhand, I don't see any way to avoid that.