I have a 1095-A and only had it from January to May but it charging me $3770 to pay back.

This probably happened because you or others in your household earned income above what was estimated when you set up the program.

What to include as income.

When you fill out a Marketplace application, you needed to estimate what your household income was likely to be for the year.

• Marketplace savings are based on your expected household income for the year you want coverage, not last year’s income. You must make your best estimate so you qualify for the right amount of savings.
• You will be asked about your current monthly income and then about your yearly income.

Whose income to include in your estimate.

For most people, a household consists of the tax filer, their spouse if they have one, and their tax dependents, including those who don’t need coverage.

The Marketplace counts estimated income of all household members.

Count income & household size

You can see where this is posted if you review your 1040 on Line 17.

On the menu bar on the left that shows.

1. My Info
   1. Federal
   2. State
   3. Review
   4. File
2. Select Tax Tools
3. On the drop-down select Tools
4. On the popup menu
5. Select View Tax Summary
6. On the left sidebar
7. Select Preview my 1040.

Line 15 - Taxable Income

Line 17 - Posted from Sch 2 Line 2 - Advanced Premium Credit

Line 24 - Total Tax.

Line 25 - Withholdings.

Line 33 - Payments including Credits.

Line 34 - Overpayments.

Line 37 - Tax owed.

To return to the entry screens press Back on the sidebar.