I moved an annuity to a different company. It shows on 1040 as non-taxable income. I didn't get the money. Why does this effect my Marketplace Insurance as income rec'd?

I have to pay back $400 due to this raising my income vs. reported. My received income for the year is exactly the same as reported to Marketplace. I didn't receive this income. Just moved it.  Why would my insurance cost go up due to this move?