If you are getting insurance through Healthcare.gov and are paying a reduced premium because of the Advanced Premium Tax Credit, when you file your taxes, the amount you received is reconciled with the amount you should have received. If you received too much, your refund will be lower or the amount you owe will increase.
In your situation, it sounds as though your income was higher than you estimated it to be when signing up so you are having to pay back some or all of the credit. This can happen because of a mid year bonus, overtime, a new job, or for many other reasons that caused your income to go up.
When you enroll in a Marketplace plan you are asked for your estimated income for the year. This is what they base your Advanced Premium Tax Credit off of. If your household income is more than 400% of the Federal Poverty Level, then you will be required to repay the entire amount of premiums that you received in advanced that you were not eligible for. If your household income is less than 400% of the Federal poverty level, then you may have to pay back some but not necessarily all of the credit you were not eligible for that you received.
If your income changes at all during the year, or if your living situation changes, you should report that to Healthcare.gov as soon as possible to avoid having to pay too much back.
If you are unable to pay your taxes in full, you should still file by April 15th, but you can apply for a payment plan from the IRS. When you get to the end of TurboTax, prior to hitting file, it will give you the option to apply.
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