Question: I withdrew $10,000 from my IRA which raised our income to $45,000 which normally be around $35,000. I’m confused on what is Income, if I do not noemally count on that money yearly, nor do I plan to again.

Answer: Since you are collecting monthly premium assistance in the form of tax credits based on an estimated annual income of $35,000, your excess tax credits for actual 2019 income of $45,000 will have to be repaid when you file your taxes for 2019. Since you do not plan to make an IRA withdrawal in 2020, I suggest you do not change your stated income in your Covered California account, because your 2020 income will return to to about $35,000 and you’ll be back on track with a minimum of complications.