<prompt> Human: I signed up for healthcare coverage through ACA last February 2016 while working for a temp agency. I input my projected income based on what I was then making. In mid-July I was hired on full-time by my employer, which included a 12k raise and benefits. After becoming eligible for employer health coverage in September, I terminated my ACA coverage. Due to my job change and raise, my yearly income ended up being more than projected when I signed up for ACA. In all I made around 32k. A significant portion of that income was earned after I terminated my ACA Coverage. However, the IRS does not take that into account and is now forcing me to pay back the ACA subsidies I received prior to changing jobs. This amounts to a little over 600.I made 19k in 2015 and even less in 2014. Ive been struggling to get on my feet for the past several years. I finally got a new job and have been slowly paying down debt from school loans, past healthcare and credit cards. I have a savings for the first time in my life which contains approximately 650 that Ive slowly accumulated over the past 6 months. And now I have to pay all of it to the IRS for subsidies i was entitled to when I received them largely due to money I made while no longer covered. I find this incredibly unfair because in a way I am being punished for pulling myself out of the poverty shithole Ive been in for the past several years. Ive talked to people at the IRS and they basically told me I was shit out of luck. So this is my last resort. Otherwise, Im just going to say goodbye to my savings and start at square one. The only upside to this is that I have the money to pay it.  <response>: You arent really being punished, you just arent being given a benefit for being poor now that you arent poor. as poor, anywaysThe IRS works in years, not months, so as far as they are concerned, you made too much to get that break. All thats happening is you arent getting a benefit you expected. Welcome to the good life, now taxes will hurt rather than help you, but itll be better in the end not to be as poor. 