To follow-up on the post from @Vanessa A, it's likely that you were eligible to receive a subsidy, but because you did not receive any subsidy, it is being paid back to you in the form of a refund. The Marketplace recommends adjusting anticipated income so that premium subsidies closely match what a taxpayer is eligible to receive. Understating income could result in the taxpayer paying back part or all of the premium subsidy. Overstating income could result in the taxpayer receiving a portion of the premium paid back in the form of a refund.
@Beagleman58
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