i became unemployed at the end of May and contacted the marketplace to help set me up with a more affordable monthly health plan. I am now showing that I have to pay 4k

The 1095-A form helps report coverage of any advanced tax credit payments received.  If you worked and then changed your coverage during the year you can receive 2 forms.  You will need to enter the information for the corresponding months from both forms on the form 8962.  The 1095-A is calculated based on your income during the year.  If your income exceeds the estimated amount given when you sign up for your Marketplace plan you will be required to pay back the overage received for the credit.

If you feel your 1095-A is incorrect you will need to contact the Marketplace you received coverage from to have the form corrected.

For more information on the 1095-A form, see the links below:

• What is form 1095-A?
• Multiple 1095-A forms