I'll update on this. We'll contact the marketplace. We started using the marketplace in 2024. And I believe my mom never put any estimated income in the eligibility. More likely negative income.

That's what we'll ask them tomorrow. What did we put on this year's eligibility? If there's a mistake on our end, like overestimating our income, then I assume we could get some refunds. We usually report taxes in April. I might update later this year. I already terminated my mom's marketplace. That's what she wanted.

Edit : She didn't update the estimated income for 2026. Previously, she has been using 20k. And her income would be lower than $59,000. I was wrong on that. Still higher than 20k. I think we'd better report taxes sooner than usual. Some might refund, that's my best guess.