Why the **bleep** do I have to “repay” Premium Tax Credits I never touched? I don’t go to the hospital, but it required every year to have insurance. So I did just that.

[boi_k4rgad4_chriz]

I never touched the **bleep** medical insurance. I’m not a sickly individual that always have to go hospitals. Also I don’t take full criminal advantage of medical insurances, they’re all **bleep**. I just pay what the government wants me to pay minimally. But I never touched it. So why the **bleep** do I have to pay something I never touched? You owe me money for forcing me to have an insurance I don’t touch. What the **bleep** is this sick **bleep** state doing to us?

[Opus 17]

Sorry, this sounds like a political argument rather than a tax question.  I can't explain why the law was written the way it was written.  The PTC is income-based, to help people whose income is less than a certain threshold to purchase insurance.  You get the credit up front, based on your expected income so you can have your medical coverage.  If your income ends up higher than expected, you might have to pay back the credit.  That's just how the law is written.  You may want to contact your state senator and member of the House for your district and discuss it with them. 

[Mike9241]

If you had insurance under the Affordable (what a lie) Care Act and had your premiums subsidized, you may have to repay some or all of the subsidized portion. You may have entered something incorrectly, causing this situation. We don't have access to your return. The calculation is on Form 8962.  With online, you need to pay your fees to see it. If you file without it, eventually the IRS will request it. If you don't file and pay, the IRS will eventually levy your assets and salary. Penalties and interest for nonpayment increase daily after 4/15.   

If you had it, it doesn't matter whether you used it or not.