I had been covered under the ACA from 01/01/2018 through 05/31/18. Towards the end of May, after waiting for two years, I finally received a permanent disability determination through the Social Security Administration. I stopped paying my premiums with the ACA as of 06/01/2018 as I qualified for Medicare. I also received a lump-sum payment from Social Security for approx. 2 years. It now looks as though we have to pay back all of the credit to the ACA? Is this correct? I claimed bankruptcy three years ago this month and we cannot afford to pay this back. We weren’t expecting this. Can we claim a hardship? Or are there any credits we can qualify for since we are both disabled and on Medicare? Thank you for your help.

(PS: Because of the lump-sum payment, we don't qualify for the Marketplace credit)