You aren't being penalized, you just were not paying as much as you should based on your income. Anytime you see your income having a significant change, you can change your income with the marketplace. You also have the option to make extra Payments to the IRS anytime you have extra income during the year. For example, you sell stocks or get a big bonus that isn't taxed. Owing more than $1,000 will usually earn you penalties for underpayment of taxes.
The IRS will also let you Apply online for a payment plan.
@Mashuggar
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