<prompt> Human: So I made a little below 35,000 last year and had a 200 premium tax credit based on my income. My income projections when I signed up were about right, my income might have been a little higher than I projected, but now its saying I have to pay it all back since our household income in our joint return is around 70,000. Is there anything I can do since we were married only a little over 2 months? Would filing separately do anything to help this? We went from a return of 1,900 dollars to owing 491 dollars after entering my 1095-A.  <response>: Yep. You were advanced the credit on a monthly basis and dont qualify for it. 