diff --git a/app/operations/insurance_policies/aca_individuals/insurance_policies/construct_cv3_payload.rb b/app/operations/insurance_policies/aca_individuals/insurance_policies/construct_cv3_payload.rb
index ff41d8a6..2da2cc6f 100644
--- a/app/operations/insurance_policies/aca_individuals/insurance_policies/construct_cv3_payload.rb
+++ b/app/operations/insurance_policies/aca_individuals/insurance_policies/construct_cv3_payload.rb
@@ -415,6 +415,7 @@ def construct_annual_premiums(months_of_year)
         end
 
         def construct_coverage_information(insurance_policy, covered_individuals, tax_household)
+          has_applied_aptc = false
           (1..12).collect do |month|
             enrollments_for_month = insurance_policy.enrollments_for_month(month, insurance_policy.start_on.year)
             if insurance_policy.aasm_state == "canceled"
@@ -431,8 +432,11 @@ def construct_coverage_information(insurance_policy, covered_individuals, tax_ho
               next unless any_thh_members_enrolled?(tax_household, enrollments_for_month)
               next if enrollments_tax_household_for_month_empty?(enrollments_for_month, tax_household)
 
+              aptc_tax_credit = insurance_policy.applied_aptc_amount_for(enrollments_for_month, month, tax_household)
+              has_applied_aptc = true if aptc_tax_credit.to_f > 0.0
+
               # if npt and mid month end date, do not include that month if aqhp
-              next if insurance_policy.term_for_np && mid_month_end?(insurance_policy.end_on, month) && tax_household.is_aqhp
+              next if insurance_policy.term_for_np && mid_month_end?(insurance_policy.end_on, month) && has_applied_aptc
 
               if tax_household.is_aqhp && covered_individuals.present?
                 update_covered_individuals_end_date(covered_individuals, enrollments_for_month, tax_household)
@@ -442,7 +446,6 @@ def construct_coverage_information(insurance_policy, covered_individuals, tax_ho
               pediatric_dental_pre = enrollments_for_month.first
                                        &.pediatric_dental_premium(enrollments_for_month, thh_members, month)
               pre_amt_tot = calculate_ehb_premium_for(insurance_policy, tax_household, enrollments_for_month, month)
-              aptc_tax_credit = insurance_policy.applied_aptc_amount_for(enrollments_for_month, month, tax_household)
 
               slcsp = insurance_policy.fetch_slcsp_premium(enrollments_for_month, month, tax_household, aptc_tax_credit)
               total_premium = format('%.2f', (pre_amt_tot.to_f + pediatric_dental_pre))
diff --git a/spec/operations/insurance_policies/aca_individuals/insurance_policies/construct_cv3_payload_spec.rb b/spec/operations/insurance_policies/aca_individuals/insurance_policies/construct_cv3_payload_spec.rb
index 07d095e2..27f35943 100644
--- a/spec/operations/insurance_policies/aca_individuals/insurance_policies/construct_cv3_payload_spec.rb
+++ b/spec/operations/insurance_policies/aca_individuals/insurance_policies/construct_cv3_payload_spec.rb
@@ -587,7 +587,6 @@
     it "should include mid month for uqhp npt policies" do
       result = subject.call({ insurance_policy: npt_mid_month_uqhp_insurance_policy })
       expect(result.value![:aptc_csr_tax_households][0][:months_of_year].count).to eq 3
-      print(result.value![:aptc_csr_tax_households][0][:months_of_year])
       expect(result.success?).to be_truthy
     end
   end