Is there a minimum amount of months needed where IRS will start recouping APTC tax credit subsidy?

[InsuranceGuy29]

For instance, if someone was to lose their job in October and get insurance starting in November, and they EXTREMELY underestimated their income for 2024, by accident, and therefore would need to pay back the entire tax credit. Would the IRS recoup all the tax credit for these 2 months? I thought I remembered reading that they don't start recouping it until after 2 months of having a plan, but am not sure. Just wondered.

 

[Yagents]

100% clawed back (1 day or 365 days)