Thank you abctax55,

She did terminate obamacare after 4th month and had coverage through an employee plan with her new job for the remainder of the year.

As information - her monthly enrollment premium was $869.39 (3,477); monthly advance $849.00 (3,396).  Form 8962 calculates the maximum monthly assist at $414 (1,656) resulting in overpayment $1,740.

Am I in the same boat or is there some way of at least reducing the payback amount?

Thanks again.

Richard