I am single, 62, and live in Tennessee and have health insurance through Healthcare.gov. I took the FULL healthcare subsidy in 2018. I have no earned income, but usually qualify by taking the minimum poverty level proceeds ($12,140) from my IRA. My problem is that I forgot to take "any" proceeds from the IRA in 2018, therefore there was no 1099-R generated, so I have NO verifiable income for 2018. My question is: Will I have to pay back ALL the Healthcare.gov subsidies I took for 2018 since I had no income and technically would not qualify to receive any subsidy? I have called Healthcare.gov, but their people don't know the answer. They tell me to call a CPA or tax professional. I have not done that because I really doubt they know the answer either. Any help would be greatly appreciated.