Somewhat niche question about APTC and dependency.

I (29) am a tax unit with my dad. I have some health circumstances that limit my ability to work but I didn't think I had enough medical evidence to make a convincing case, (until recently) as my illness isn't very clear cut.

Signing up on the marketplace website, listing myself as a dependent, and putting in my (0) income and my fathers income led to the marketplace telling me I qualified for PTC. Unfortunately when I read the terms of agreement one of them said you "cannot be a dependent." I called customer service and she backed up this claim and was working to revoke my eligibility (though she ended up hanging up on me, I think.)

Since then I've done research and seen sites claiming you CAN receive those credits you just don't take them out yourself. It goes off of the head of the household and they take the personal exemption for your health insurance. So now I'm really confused. The site gave me conflicting information in the first place, and I imagine the system itself can't be so stupid it would tell me I qualify for something when I don't, right? That would be a glaring oversight, considering I imagine plenty of people take care of their elderly parents claimed as a qualifying relative. The mixed signals are frustrating.

So… Would anyone happen to know whether I should accept it or not? I'm not entirely sure if I actually ever had the option to refuse it entirely. If this belongs more on r/tax I'm fine with moving it over there, but I didn't really know which to put it on since it's kind of in-between the two.

EDIT: Also I live in Kansas, if that's important.

submitted by /u/Stigmaphobia
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