The healthcare marketplace bases your premiums on what you predict your income will be. Not always easy to do that - especially in a case like yours where you can't be sure if you're going to finally get the payment that you've been expecting.
When they are taking your premiums into account they don't just add up taxable income - they add up all of the income that you receive and can spend. They don't have any idea that you have loans or credit cards to pay off. They only know that you got a bunch of money.
You need to contact them and explain your situation and see if you can get a waiver. You are not the first person to be put in this situation.
@Gwenevere27
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