Sorry, this sounds like a political argument rather than a tax question. I can't explain why the law was written the way it was written. The PTC is income-based, to help people whose income is less than a certain threshold to purchase insurance. You get the credit up front, based on your expected income so you can have your medical coverage. If your income ends up higher than expected, you might have to pay back the credit. That's just how the law is written. You may want to contact your state senator and member of the House for your district and discuss it with them.
