As KeshaH mentioned, certain income incomes that are non-taxable get added back to your income. Go to Healthcare.gov - it has a section on estimating your expected income. They start with the adjusted gross income (AGI) on line 11 of your 1040 and add back certain items that were not taxable to get an estimate of your 2026 income. They also recommend altering this figure for any expected changes to your 2026 income. The ACA health care marketplace will use this information to determine how much of a premium tax credit that you will qualify for to offset the cost of the insurance payments. Since you can only estimate your future income, you may find that if your income was higher than the estimate you gave to the Healthcare Marketplace, you may owe back some of the Premium Tax Credit that you received when you file your 2026 taxes next year.
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