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@rcooley25 wrote:

who had insurance purchased on the exchange for Jan. 1, 2022 thru Oct 32, 2022.

it is coming out that she has to pay all of tis premium credit back.

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Unfortunately, that is what happens when a person has health insurance for 32 days in October.  🤣

Just kidding.

Have you filled out the 'alternative' information?  As Rick says, it often won't reduce the repayment, but it sometimes can.

If the repayment is large, you may also consider testing out if MFS works better.  The MFS return may limit the repayment.  Whether or not the overall result is better will vary though.

Another thing to check is how close is their income (or 50% of their Joint income if the alternative calculation applies) to a repayment limitation?  If it is close, contributing to a deductible Traditional IRA to get below the poverty percentage threshold may limit the repayment.

https://www.irs.gov/instructions/i8962#en_US_2022_publink100010959