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I was enrolled in ACA when I was only receiving disability from social security (beginning in January).
At the end of the year, I FINALLY received the retro pay I was due and my retirement (in October).  
I contacted healthcare.gov immediately.  I was given retroactive healthcare from before the time I enrolled in ACA and asked that they submit all claims to them since I had been retroactively charged those premiums.  They refused and stated that even though the money I received was only partially for the time I was covered by ACA, the entire amount would count toward my income that year and I'd end up owing over 17,000.  I only make 45,000 a year now, so I'm not well off (that's for a family of 2).  Due to a bad hurricane, I had to move almost immediately and spend most of the retro pay I received on a new home.

When I applied for Obamacare, I was only making $21,000.  I received wages for my retirement for almost 18 months.  I had no idea when (or if) I would ever be approved for retirement.  

If anyone has any advice, I'd be very appreciative.
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