Unfortunately in your case there is little you can do to mitigate the payback of the Premium Tax Credit. The ACA/PTC calculations are based on the current taxable income regardless of source. Your spreading of what I assume is your Covid IRA/Pension distribution from 2020 over the next 3 years put you into this predicament. The link below to the IRS webpage pertaining to your situation should assist you further in understanding what occurred.
Premium Tax Credit
@Jshumbris
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