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posted Jun 6, 2019 1:10:48 AM

Do I have to pay back ACA credits for the entire year if I earned the income that made me ineligible as a lump sum on July 16th?

I cashed in stocks and made capital gains on July 16th.  This income put me over the ACA income limits.

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Expert Alumni
Jun 6, 2019 1:10:49 AM

Unfortunately, yes. The income used to determine whether you have to repay part or all of your advance premium tax credit is the income for the full year, no matter when you received the income during the year.

1 Replies
Expert Alumni
Jun 6, 2019 1:10:49 AM

Unfortunately, yes. The income used to determine whether you have to repay part or all of your advance premium tax credit is the income for the full year, no matter when you received the income during the year.