Yes! There are a few creative options to attempt to lessen my “burden.” Also, just so everyone knows (and I hope this is actually accountable): if you were denied subsidies at first, but then you do your taxes and find out you actually qualified that year, you receive the amount of the sub that you should have received in your tax refund. However, the opposite is true, and I have had experience paying back subsidies that i later no longer qualified for (due to marriage). I hope there are proper checks and balances in place with the IRS just like my appeal case worker told me!! To anyone in my or OP’s position: talk to your accountant.