I should but 60% of them get caught paying back the credit, so I feel sorry for them.  I have a client who disclosed the Form 1095-A, I prepared the 8962 and he owes $7K+.  I also have a medical secretary who sent her 2018 w-2 to someone for the insurance for 2019 and she only owes $2,600 this year. My understanding of this is that if your income is over $41,000, you don't get the premium credit.  I think either clients or the 'facilitators' for Obama care do not understand how it all works.