Hi @Benjamin Kanter ,
Thanks for your post! The "disabled" status in the per-user settings does not actually mean that the MFA is disabled at all. Disabled just means not per-user MFA. So if the MFA is enforced via Conditional Access policies or Security Defaults, the MFA prompt would still trigger.
Per-user MFA shouldn't be used together with Security Defaults or Conditional Access, and the status should be set to "disabled" if you are using those together.
Reference: Disabled MFA Status and Convert users from per-user to Conditional Access MFA
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