---

@rbynaker wrote:

they may very well have expected the non-dependent to be a dependent when they filled out the application at the end of the prior year

---

I don't have any first-hand experience, but in the past I've been told some Marketplaces don't ask the proper questions to ask if the person will be a non-dependent and/or put everything on one 1095-A even if you say the person will be a non-dependent.

The other weird gray-ish area is when the non-dependent's income is under 100% of the FPL.  The rules say that a taxpayer still qualifies for the credit if the Marketplace gave Advance credit by determining the taxpayer would qualify ... but it the Marketplace didn't really determine that the non-dependent would qualify.