The Premium Tax Credit doesn't work like that. You are having to pay back the premium subsidies you received (column C) because you were not eligible based on your actual income, family size, and zip code. When you enrolled, you qualified for those subsidies based on your estimates of those 3 things: income, family size, and zip code. Now that you are filing your tax return, you have to use your actual income to determine the credit and/or the amount you have to pay back.
It is very important to update your information if you get married, get a job, or move, so your subsidy amounts can be adjusted. Save that link to report changes to your situation.
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