The Premium Tax Credit for purchasing health insurance through the Healthcare Marketplace (1095-A) is based on your actual ANNUAL income. So even though you only had the Marketplace insurance for a few months, the final credit is calculated based on your income for the ENTIRE year.
So if your ANNUAL income was higher than you had estimated to the Marketplace, that usually results in needing to repay the part or all of the Advance credit that you received (column C of the 1095-A)
