This does not seem right:   Client qualified for a Premium tax credit of $1,848.  She obtained insurance through the marketplace for 6 months of 2014....using $138 of the advance premium tax credit each month for a total of $828.  Even though client chose to not keep the coverage all year, she still gets the unused portion of the tax credit ($1,020) added to her refund?   seems like a money-making scheme to me...am I doing something wrong?