for ssa1099- and market place form 1095A-payback to insurance after lumpsum for disability

My husband got a lumpsum on 2024 from social security disability after was approved form ssa-1099

Box 5 $ 123809.30, includes $41951 for 2023 and $38565 for 2022, but he had to pay back to the insurance

$ 57867.30 which give us a year income of $65942. Now because we had covered California-market place for health insurance and received help with the premiums , covered california thinks that we had a year income of $123809.30 instead of $65942, for that now we had to payback almost $6000 in federal income , f we use the real income received for the year of $65942 we will receive back around $650 , so is a huge difference. What can we do ? tried to finish everything on turbotax and in the end said that i can't efile because if i change the income with the explanation on the side is a red box -error and don't let me do it , any suggestions are appreciated Thanks

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