Before adding 1095a my refund was $562. Now owe $400...?

[jbeasley2]

You could owe back some of the Premium Tax Credit that helps you pay for your health insurance premiums.

If you received the premium tax credit as a monthly advance to reduce your healthcare premiums, you gave the marketplace your 2015 estimated income, usually based on your last years income when you signed up. The advance is based on that estimate.  

If your income for 2015 was more than your estimated income, you may have to pay back some of the money that reduced your monthly payments.

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