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Thank you. And how do I find out if I was wrongly penalized. Who do I go to, IRS or H&R block. My fiancial situation has been the same every yr and everyone kept telling me I shouldn't be penalized. I have 4 kids , my husband is unemployed and i make 35000 a yr. I cannot afford medical for my husband and i and my kids have medicaid. So we were penalized $1400 the last 2 yrs and $400 the 1st yr.