market place insurance income

I work and I am on Market place insurance, my husband does not work and is on Disability (he is 61 yrs old).   If his ssa-1099 form shows box 3 and box 5 as 26,564.40 (his Medicare part b premium is $2096.00).  Each year when I sign up for Market place insurance I have to give an income.  I assumed my husbands disability income would be the $24,468.00 (less the Medicare $2,096.40).  But now that I am looking at form 8962, I see that they do consider all of the $26,564.00.  Is that right?  Because if I add up that amount $26,564.00, my w2 and our interest it comes up to that total.