My client married in August 2025.  He married his son's mother.  She had individual health insurance from the Marketplace.  When I file their joint return for 2025 I indicate that they married in month 8 but that doesn't change the amount of the APTC that needs to be repaid, $4068.That doesn't seem right.

I did MFS for both of them and the APTC is only $1950 for her.  Can I file MFS for them even though she is not an abandoned spouse or a victim of domestic violence?  And do I have to do anything about her Marketplace insurance on his return?  

I have read and reread the instructions for 8962 and am getting more confused every time I pick them up.

Thank you in advance for any help.