We got snagged on Obamacare premium paybacks the same way ... I took a distribution from my IRA such that I would have little or no tax to pay but, the premium subsidy was then voided and the premium payback amount is added to my taxable income. Now, we've got a big tax bill and - just to rub salt into the wound - a tax penalty for not withholding enough from the IRA distribution. The whole thing is pretty insidious.
