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@WY2 wrote:

the only income is the sch C income for the client , and which is over 401% for 8965, but portial of the prem paid floe to sch A, any idea how proseries calculate that ?

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I doubt the ProSeries developers even know how the software calculates that.  If it's all Sch C income then there's still time for a SEP-IRA contribution for 2021.  I assume you mean form 8962 not 8965.  You really want to play around with this to see if you can get the income under 401%.

Jot down the balance due now (and the amount of the PTC).  I would start with a $6K IRA and see how/if that changes the bottom line balance due/PTC.  If that's not enough, remove the IRA and try a 20% SEP-IRA.  This will tell you how much the client needs to put into an IRA and/or SEP-IRA in order to qualify for PTC.  My guess is that this is achievable because the circular calculation was unsolvable.  If your client had too much income then it would all be SEHI and nothing would end up on Sch A.  Too little income and it would be subsidized by PTC and nothing would end up on Sch A.  In between is where you end up with broken math problems.

Rick