@rprastein wrote:
none was advanced to the insurance company
our income is less than a third of what I had anticipated (I forgot to do a Roth IRA conversion that I had intended to do...), and after the unemployment exclusion it's only about $10,000
Your income is too low. To qualify for the credit, your income (Modified AGI) had to be at least 100% of the Federal Poverty Level, which is $19,460 for a household size of two.
If you had received some Advance credits (column C of the 1095-A), you would have met one of the exceptions. But with no Advance credit, your income is too low to qualify for the credit.
