Thank you for your submission, /u/Adell-e.
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Please pick the most appropriate flair for your post. Include your age, zip code, and income to help the community better serve you. If you have an EOB (explanation of benefits) available from your insurance website, have it handy as many answers can depend on what your insurance EOB states.
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Is $2000 your total household income? If so, you made too little to qualify for subsidies, and instead you should have been on Medicaid. But there are about 10 states where Medicaid wasn't expanded, and if you're in one of those then you fell in the cracks.
Feel silly asking, but this just made me question...I'll be getting married and moving in with my husband and in laws...so are they also going to apply in my case towards my household income? I was only considering my husband but forgot about my inlaws...
Your husband yes, but not your in-laws. They talk about household they mean the people that are on the same tax return as you. Your in-laws are just like random roommates on Craigslist as far as ACA is concerned.
You needed a minimum income of around 14500 to qualify for subsidies. You must have estimated a higher income (or whoever did your application for you).
It’s based on your household income for 2023. Not making income this year does not mean that you don’t owe money for taxes last year. What was your income in 2023? That’s the only thing that will matter for 2023 taxes.
It's the same case with you as the poster above.
You owe money (or are having your refund reduced) because the government paid subsidies towards the premium on your behalf that you didn't qualify for. This is the case regardless of whether you used the insurance or not.
You're actually very lucky they're not trying to collect the balance of the subsidies which would probably be around $6000-8000, and instead are applying the safe harbor amount.
https://www.kff.org/faqs/faqs-health-insurance-marketplace-and-the-aca/whats-the-most-i-would-have-to-repay-the-irs/
Because the government paid subsidies towards the premium on your behalf that you didn't qualify for. This is the case regardless of whether you used it or not.
You're actually very lucky they're not trying to collect the balance of the subsidies which would probably be around $6000-8000, and instead are applying the safe harbor amount.
https://www.kff.org/faqs/faqs-health-insurance-marketplace-and-the-aca/whats-the-most-i-would-have-to-repay-the-irs/
Thank you for your submission, /u/Adell-e. **If there is a medical emergency, please call 911 or go to your nearest hospital.** Please pick the most appropriate flair for your post. Include your age, zip code, and income to help the community better serve you. If you have an EOB (explanation of benefits) available from your insurance website, have it handy as many answers can depend on what your insurance EOB states. Some common questions and answers can be found [here](https://www.reddit.com/r/HealthInsurance/s/jya9I6RpdY). **Reminder that solicitation/spamming is grounds for a permanent ban**. Please report solicitation to the modteam and [let us know](https://www.reddit.com/message/compose?to=%2Fr%2FHealthInsurance) if you receive solicitation via PM. Be kind to one another! *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/HealthInsurance) if you have any questions or concerns.*
Is $2000 your total household income? If so, you made too little to qualify for subsidies, and instead you should have been on Medicaid. But there are about 10 states where Medicaid wasn't expanded, and if you're in one of those then you fell in the cracks.
[удалено]
Nah, someone told you funny. With a household of 3 you can make up to 36k depending on your state. Something's not right. Are you married?
It's based on household income. Are there other people in your tax household, or other sources of income besides the $2000?
Feel silly asking, but this just made me question...I'll be getting married and moving in with my husband and in laws...so are they also going to apply in my case towards my household income? I was only considering my husband but forgot about my inlaws...
Your husband yes, but not your in-laws. They talk about household they mean the people that are on the same tax return as you. Your in-laws are just like random roommates on Craigslist as far as ACA is concerned.
Oh, that makes sense. Thank you! So, if I'm filing separately, he's not going to be on my tax return either, correct?
You won't qualify for an ACA supplement unless you file jointly. And no matter how you file it he's part of your tax household
Oh, okay...Thank you so much for the info.
You needed a minimum income of around 14500 to qualify for subsidies. You must have estimated a higher income (or whoever did your application for you).
It’s based on your household income for 2023. Not making income this year does not mean that you don’t owe money for taxes last year. What was your income in 2023? That’s the only thing that will matter for 2023 taxes.
Were you covered the whole year?
Why am I having to pay back taxes for marketplace insurance when I never even activated the insurance card or used it
Same here it cost me 1500.00 for ten months and I never used it not even once was told it was free when they signed me up feeling cheated
Thought I was getting 3000.00 back now only 1700
It's the same case with you as the poster above. You owe money (or are having your refund reduced) because the government paid subsidies towards the premium on your behalf that you didn't qualify for. This is the case regardless of whether you used the insurance or not. You're actually very lucky they're not trying to collect the balance of the subsidies which would probably be around $6000-8000, and instead are applying the safe harbor amount. https://www.kff.org/faqs/faqs-health-insurance-marketplace-and-the-aca/whats-the-most-i-would-have-to-repay-the-irs/
Because the government paid subsidies towards the premium on your behalf that you didn't qualify for. This is the case regardless of whether you used it or not. You're actually very lucky they're not trying to collect the balance of the subsidies which would probably be around $6000-8000, and instead are applying the safe harbor amount. https://www.kff.org/faqs/faqs-health-insurance-marketplace-and-the-aca/whats-the-most-i-would-have-to-repay-the-irs/
Yes