Phillip and Naydeen Rivers are married with two dependent children. The family has household income of $41,200 in 2022. They paid $11,000 for health care for the year through the health care exchange. A designated silver plan would have cost $9,800, and the poverty level for a family of four is $26,500. The applicable percentage is 0.24 percent. What is the Rivers' premium tax credit? a. $9,701 b. $2,352 c. $7,909 d. $505