<https://obamacarefacts.com/questions/why-do-i-owe-the-obamacare-penalty/#webpage>
<http://schema.org/description>
"Generally someone owes the penalty if they didn't have coverage or an exemption for a month, however they can also owe money back if they owe back premium tax credits due to making more income"
<https://obamacarefacts.com/questions/why-do-i-owe-the-obamacare-penalty/>