Why is it saying I have to pay back all of our premium tax credit when we did not make over 80k?

[Mike9241]

you did not tell us your family size or modified adjusted gross income.  but here's an example: Husband and wife living in the continental Us (lower 48 states) with a modified adjusted gross income of over $68,000 would have to pay back all of the premium tax credits.  review form 8962 to see if the numbers on it make sense. we can't see your return.  

[hmugrage]

We are a family of 3, how much are we allowed to make Max?

[ThomasM125]

The federal poverty level for a family of three is $21,720 in 2020. So, your premium tax credit would not be allowed if your income was over 400% of that, or $86,880. You can read about that here:

https://www.healthcare.gov/lower-costs/

You would have to look at form 8962 to see why the credit is being denied.