I had Covered California (Affordable Care Act) insurance from January 1 - October 31, 2023. During that time my earned income was $0 (I was unemployed) but I made one sale of stock in March 2023. I started work in September 2023 and cancelled Covered California in October. Between September and December 31, 2023, I had an income and sold more stock but did not have insurance through Covered California (ACA) When I complete the Form 8962 on TurboTax, it calculates my modified AGI based on my income over the 12-month period (which puts me at 401% and requires me to pay back the entire Advance Payment of Premium Tax Credit) when I only have Covered California for 10 months. Shouldn't it be calculating how much I have to payback based on how much I earned over the 10-month period, not the 12-month period?