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@sharpcougar wrote:

it seems like the couple have no choice but to add the 1095A on their tax return and take the hit. 

This is tough but if it's the right way, then that's how I'll do it.

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I don't view it as a "hit" because she never qualified for Advance credit in the first place.  It seems like your client did something incorrectly while applying for the health insurance.

As a side note, some employer plans have an option to cover a "dependent", even if the dependent is not a child.  So they may want to look into that possible option with their employer's insurance.