i was getting health insurance through the marketplace last year through september, so i got a premium tax credit each month because i had only part time income. on 9/13/21 i started a full time job. i immediately stopped my health insurance through the marketplace and went with my employer-provided insurance. but now that i'm filing my taxes and had full time income for the last quarter of the year, my taxes are showing i owe money due to the increase in income as compared to what i reported when i first applied for insurance through the marketplace. in other words, i estimated my income to be under about $18k for the year as i was anticipating just working part time. but when i accepted full time employment and my total annual income increased considerably, my taxes are now showing that i was overpaid for the premium tax credit when i really wasn't. the amounts i received in credit were only for the 9 months i was on the marketplace and my income as i estimated through september was under $18k. my tax return is looking at my annual income which isn't at all fair since when i applied and was using insurance through the marketplace, i was only making part time money and the ptc helped with the monthly premiums. once i had full time income, i no longer used the ptc but my tax return is looking at both things as annual when in fact they should be prorated somehow. i have tried filling out form 8962 but i can't figure out where i should put my income from jan-sep and then sep-dec since that is basically what needs to happen. i should not be penalized for taking a full time job as when i first got the ptc, this was not the case. help please...
