Thank you for this correct answer and clear explanation. Both the 2 Marketplace representatives I spoke with told me incorrectly. And I upgraded and paid the $50 for an "expert CPA" to assist me. I spoke with one who I am pretty sure was drunk...and another attempted to be helpful, even called me back twice. But, unfortunately, he told me wrong also. Healthcare.gov and Turbotax experts both told that that since it is "refundable" then I would get back any unused premium credit as an increase to my refund. This would only happen if I owed taxes (which I don't) . I don't get the difference between the CREDIT and the PREMIUM back. The credit won't be higher than the total premium.
