(Sorry, the details box didn't open when I tried to reply.) The spouses did not live together at all in 2022. Wife had always been the breadwinner. They filed jointly in 2021; the insurance agent who signed them up to ACA likely saw the 2021 return and included all three members of the family. What do I now say for the 1095 allocation -- which months to I indicate, when there were none. It seems that without the low-earning spouse in the picture, there is a huge repayment of the subsidy in my tax return. Wife is filing as Head of Household in 2022.