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The Premium Tax Credit (PTC) subsidy you got every month towards your health insurance premium, is based on what annual income you entered when you filled out your Marketplace health insurance application.
If your combined income was below the 2018 Federal Poverty Level (FPL) you
would not qualify for the Premium Tax Credit.
Related information:
My income at the end of the year is less than the amount on the marketplace eligibility form, but it says I own money, why?
Every tax year is separate. Look at your Form 8962 for an explanation. It is also possible that you owe for another reason.
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