I had a Marketplace plan for the first 3 months of 2020, and received premium credits based on my income that went toward the monthly premium. I then got a new job in April and got on my employer's HDHP plan, and cancelled the marketplace plan. Why do I now owe ALL of the premium credits back, if my income at the time(January-April) justified the amount of credit I was receiving? The IRS is looking at how much credit I received versus my income for the whole year, but I only received the credits for 3 months while my income WAS lower. Can anyone help?
