We were on obamacare insurance for 3 consecutive months in 2014 (apr - june) due to unemployment. when signed up, we were told to give our income as of that point in the year due to not knowing of when/if new employment would come. We paid premiums based on income through June. Employment was gained and we dropped obamacare due to having employer insurance - we called in June and updated information with marketplace of new income, employment, etc. as instructed. We cancelled insurance and started July 1st with employer insurance. Now at tax time, they are using our entire income for the year to say we did not qualify for the marketplace insurance and need to repay all the $3,000 premium credit because we made too much money with my husbands new job he obtained. However, the insurance was not used when we had employment and we were told our income that the credit would have been based on would be what we had made for the entire year up till the point we cancelled marketplace insurance. Help! Marketplace and IRS have both stated they have yet to be trained on how to handle this situation.