Always gotten a refund but because someone put in wrong information throughout the year without my knowledge (because the website would NEVER work for me) and even put in my social wrong getting me dropped for a random month. My husband and I now OWE on taxes because of a mistake the marketplace admitted to making but they couldn't do anything for me. Told me to call IRS who basically said yes you just have to pay even though it was their fault. Do NOT USE THE MARKETPLACE. Would have rather had not insurance, paying for something that wasnt even USED and now I owe money for it. Thank you for the headache and stress. Glad I get to pay for someone elses mistake.