No. You do not have to pay it back if you expected to be eligible for the 2024 tax year, however, you do need to still file a return because you have the Marketplace insurance and include your form 1095-A even though you have no other income.
You also do need to make the corrective changes with the marketplace as soon as possible if your situation has not changed.
If a consumer’s actual household income is below 100 percent of the FPL, the consumer may still be able to claim the premium tax credit at tax time if they were enrolled in a Marketplace plan with APTC and expected a household income equal to or above 100 percent of the FPL when the consumer initially enrolled in the plan and did not intentionally misrepresent their income to the Marketplace. However, for the next plan year, the individual will not be eligible for APTC if their household income for the next plan year is expected to remain below 100 percent of the FPL. Advanced Payments of the Premium Tax Credit.
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