My AGI is well below 400% FPL (~$30,000) for 2021 tax year. I was eligible for premium tax credit when applied for health coverage through Marketplace but decided not to use it so I could receive it when I file for tax return. I paid about $3,000 during 2021 for insurance premium out-of-pocket. I did not receive Form 1095-A from the healthcare.gov and I don't know why
