Received back pay from SSA for 2018. SSA back pay was immediately sent to third party life ins company as per 2018 disability payout. Owe ~$5500 per ACA Pls Help!!!!

Father became medically disabled and is no longer working ($390 taxable income for the entire year) Third party ins. company paid us monthly amounts until SSA approved disability pay. Once disability was approved we received 2018 back pay from SSA we were required to repay the third party ins. the entire 2018 back pay. Father needed health ins. and applied for ACA for (4) months prior to hitting SSA age. According to Turbo tax we owe ~$5500 because we are not eligible for the ACA premium tax credit due to the 2018 SSA back pay (That we had to give back to the third party ins company. What can we do?

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