How come my original tax was going to be a refund of 200 dollars and after adding my 1040 marketplace insurance I have to pay 1300

When you estimated the 2024 income for the premium tax credit did you overestimate the income you would receive in 2024--or did you underestimate it and actually receive more income than you expected to in 2024?

If you had health insurance from the marketplace, when you applied for the insurance, you gave healthcare.gov an estimate of how much income you would receive in 2024.  They used that amount to calculate how much of the insurance premium would be covered by the tax credit and how much would be your amount to pay.   So...you had some monthly amounts to pay, and the rest of the cost of having that insurance was paid by the government program.

If you ended up making a higher income than you told them you would receive, they re-calculate how much should have been paid by the program and how much should have been paid by you.   And if your own share of the cost should have been more, they get it back on your income tax return.   

If you actually had less income, you could even get some of the share you paid back on your tax return.