My parents applied Covered California with me as the dependent. But we just realized I can’t be the dependent anymore and I will be filing tax separately this year. We underestimate our household income in the beginning cuz I have done lots of OT throughout the year and I didn’t realized I should report to marketplace since income increased . Right now my parents are on the 250% FPL and I am over 400% FPL. We received advance premium tax credit and only pay little every month. Since I underestimate my income, I assume I will have to pay a lot PTC back.. I am wondering what are the options I have? And can I put 100% allocation to my parents and 0 for me so I pay less PTC back? Not sure if I am making sense. I am also willing to put money into HSA and IRA to lower the repayment. Any help is appreciated! Thank you very much
