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This 2017 chart seems different than what I've read and been told about 2018.  I had an unexpected inheritance that included $26,000 in capital gains income, which pushed my income above the 400% income max of $48,200.  I was told I must repay $6,500 in tax credits when I do my taxes.  But oh, this chart info,"fell between $48,500 and $72,750, you won't pay back more than $1,500" is for a family of 4. I'm a family of 1.  So if my income with the capital gains inheritance was $55,000+ I'll have to repay all my credits?  that's kinda horrifying for me, my "real" income is under $30,000 so I have to spend inheritance money to pay it back.