You can have a balance because you received more Premium Tax Credit during the year. When you apply for insurance they use an estimate of your income for the year to calculate the amount that you pay each month, if the estimate is not correct it ends in either having a credit or a balance due. This could happen even if you had no income during the year.
If you have difficulties paying the balance due, you can work with the IRS. You can set up payment arrangements. If you would like more information visit Publication 4849, Can’t Pay the Tax You Owe?
