I need a LOT of help right now. Please be kind.

I am having a terribly panicky day after learning about bad news.

I am enrolled all this year through healthcare.gov and a silver plan, I earn close to the maximum tax credit. I do not pay very much for my EXTREMELY important medical needs (life or death).

I started a job for the first time in nearly a decade at the beginning of this year (technically around December 15th 2022). It is part time.

They never mentioned a healthcare plan. They would offer me 40 hour weeks every now and then, which apparently added up to me being a full time worker starting in June 1st. They said they have to offer me the healthcare plan when I reach full time hours (which I never asked for, I just wanted to work for more money no one told me I was transitioning to full time) which they said does meet the criteria for being minimum value standard and also affordable (but its deductible and premiums are not actually affordable! I cannot afford them in the least!!!!)

They then sent me an email asking if I wanted to join their healthcare plan which I declined (my ACA plan is the only thing that is affordable with my doctors that keeps me alive and I would actually pass away without it specifically).

Apparently, if I am even OFFERED any HEALTH INSURANCE through my EMPLOYER, and it is 9.12% or less of my income, I lose ALL my subsidies from the marketplace?!?!?! I did not have access to this plan until I hit full time hours starting on June 1st, and apparently I have been a full time worker ever since then, but I have denied their healthcare plan. Their plan is TERRIBLE and expensive, it does not include any of my physicians or hospitals or specialty medicines.

My income for 2023 will be ~20k from the part time W2 job and ~8k from freelancing for a total of 28k. The plan they offered is $200 a month which is $2400 a year. 9.12% of my $28,000 income is $2553 and $2553 is more than $2400. Does this mean come tax time I will have to pay all my subsidies back?!?! I will owe so much money I do not know what I can do! I cannot think straight right now!

How would healthcare.gov find out if they offered me any insurance? Is it possible that it is not reported considering it is mainly a part time job that tricked me into going full time? How is the health plan that my job offered 6 months into my part time job that invisibly transferred into full time work transmitted to healthcare.gov? I did not accept the plan but I was offered it and apparently that is enough for my life to be over? I have to take extremely expensive therapies and medicines for rare diseases that are NOT covered by their plan. My health and genetics are terrible and I suffer everyday. I am at a loss of thought and proper words, please help me!

Please please please someone help me I am so confused and an anxious mess right now and possibly for the rest of my short life! Please help!