This is a terrible flaw in Marketplace insurance, in my opinion. The Premium Tax Credit and Advanced Premium Tax Credit is calculated on an annual basis only. There is no way to indicate your life change and calculate the credit on a monthly basis. I am in the same situation this year, but fortunately am aware of this flaw. I am getting married in May and know I will not qualify once my husbands income is added to mine, so I am uninsured the first part of the year until we are married and I can be added to his insurance.
Unfortunately there is nothing that can be done to change this situation. It has negatively impacted many having to pay back the Advance Premium Tax Credit.
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