<prompt> Human: When I applied for health insurance in December via Healthcare.gov, I estimated my annual income for 2016 would be 23,000. This left me with a 192mo subsidy, which made the cheapest bare-bones Bronze plan 48mo out of pocket 240mo regular price. Since 48mo12 is just slightly less than the 600 tax penalty for being uninsured which wiped out almost my entire 2015 refund I figured Id sign up for the shitty coverage no copays, 6500 deductible because ultimately itd save me money in the long run, even though I basically knew I wouldnt be using the insurance anyway. Im a pretty healthy 24 year old with no prescriptions or chronic conditions, Ive seen a doctor for an emergency once in the last 6 years and thats it. I figured Im not going to use the insurance anyway probably so if it saves me 50 vs the tax penalty then why not. Anyway, turns out Im doing very well this year with commissions and bonuses plus a 1 hourly raise. So Im looking at making 29,000 this year instead of 23k. The problem is that when I report the correct income on Healthcare.gov, my subsidy goes from 192mo to 76mo. My plan, then, is to cancel the insurance 165mo for insurance Im not going to use that has a 6500 deductible? No thanks and take the 300 tax penalty for being uninsured for the next 6 months. The problem is that Ive already accepted the original subsidy of 192mo for the last 6 months already paid June. Will I owe the difference between the accepted subsidy and the actual subsidy amount come tax time next year? 192-761166696. So, if I have to pay it back, thats 696 PLUS the 300 penalty for being uninsured, and thats something that I wont be able to afford unless I start budgeting for it now.  <response>: Yes you will have to pay it back 