Is your wife on Medicare? You can not have a Marketplace Plan if you have Medicare.
When you enroll in a Marketplace plan, you estimate your household income for the year. This determines the amount of Advanced Premium Tax Credit you are eligible for. When you file your tax return, your Actual Premium Tax Credit is calculated on your Actual household income for the year.
If you underestimated your household income for the year and received too much Advanced Premium Tax Credit, you must pay back any overpayment you received.
That sounds like what happened. Do you know what you estimated your income for the year to be when you applied for coverage compared to what it actually was?
**Say "Thanks" by clicking the thumb icon in a post
**Mark the post that answers your question by clicking on "Mark as Best Answer"
