<prompt> Human: Hi rpersonalfinance!When I signed up for health insurance, my healthcare advisor put my income as the amount I make after taxes. I recently received a letter from the IRS stating I owe them money due to the fact that I should be paying based on my salary before taxes. Is there anyway to fight this charge, as I listened to my healthcare advisor that was given to me from the government website?I was also charged a penalty for signing up a few months late. Is there anyway around those charges?Thanks for any help! It is very appreciated.  <response>: You will almost certainly have to pay the fee for signing up late. Can you please elaborate on what the IRS is specifically claiming you owe them money for? Its likely because you recovered a subsidized price on your health insurance that you do not actually qualify for based on your income before taxes. They are likely billing you for that amount. 