First, what do you mean by "insurance income"? Do you mean your refund?
Pennsylvania says,
"Depending on your income and family size, you may qualify for a refund or reduction of your Pennsylvania income tax liability with the state’s Tax Forgiveness program.
Retired persons and individuals that have low income and did not have PA tax withheld may have their PA tax liabilities forgiven." See the Pennsylvania website on Tax Forgiveness.
So if some or all of your tax liability is forgiven under this program, then more or all of your withholding will be returned to you.
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