Medicaid question: What does minimum income mean for the tax credits? How much should I pay fir this year if I don’t meet that minimum?

Hi everyone! This is my first year with Medicaid.

Since I came in the US, my health insurance was covered by my employer but last year my position got eliminated, and I decided to open my own consulting business. This year I’ve been living from my savings, and have not registered as unemployed.

However, my sales have not been great and some of the proposals are on hold (clients waiting to see about the economy etc.) so I don’t know how much I will manage to receive by the end of 2022…

Today, I talked to a health insurance agent, for the first time ever, and she told me that if my income for 2022 is less than 13,590 dollars, then I will need to pay back the tax credits received, which may be 4-5,000 dollars. (I don’t have any family in the US, nor any knowledge about Medicaid, and very limited about taxes here; please be kind and understanding).

I’m based in Florida, 37, female, single, permanent resident and no health issues. My application had listed 40,000 dollars as expected annual income for this year, and my plan is around 400 dollars (with 198 dollars as tax credit). I haven’t used any medical services this year (only to have annual wellness check later this month). – sorry, I don’t know what information is relevant/needed… my apologies for the details!

Any advice about that minimum income of almost 14k? Is it gross or net? And should it be received to my LLC or to my personal account? I’m lost and desperate:) and don’t even know where to look for info, and can’t afford a tax advisor…

Thank you in advance!