I took an IRA distribution in April 2019 before becoming eligible for insurance through the marketplace (CoveredCa) in May 2019. Now, preparing 2019 taxes on TurboTax Desktop, the distribution pushes me about $200 over the max allowable income for PTC eligibility, wiping out the credits. Is income taken before joining the marketplace counted against you? It looks like I could open a small IRA and get back below the AGI limit, but I'm hoping there's a workaround. Any ideas?
