I received premium tax credits last year. At the end of the year though, my total income ended up being lower than the minimum income eligibility level for premium tax credits. Will I have to repay the tax credits paid on my behalf?

No, you will not be required to repay the premium tax credits paid on your behalf when you file your tax return as long as the tax credits were authorized and paid for at least one month during the year. In this situation, if the Marketplace found that your estimated income made you eligible for premium tax credits at the time you enrolled, even though your income later fell below the minimum income eligibility level ($15,650 for an individual in 2025), you are still eligible for the tax credits.