<prompt> Human: Last year, when signing up for Obamacare, i estimated a certain amount of income for the year, but at the end of the year, i ended up making less. Much less. Less than the minimum to get the plan in the first place. I was under the impression that i would have to pay this back, possibly thousands of dollars, but when i put my info into turbo tax, it says that because made less than expected, i actually get a credit. Is this possibly right? As side information, I am in a state hat did not extend medicaid, and i know i should have reported changes to my invome throughout the year, but i didnt. Not to avoid anything, i was just too preoccupied with barely making enough money to live on to remember.Edit: wow. Adorable. Thats awesome. Thats what i get for typing this with tears in my eyes.  <response>: Yes, if you earn less than expected you usually get a premium tax credit. It doesnt matter that your income is less than the lower limit for the plan, once you got a subsidy you became able to claim PTC. 