I am wondering whether this is because you are in a weird transitory situation from a six figure income to a start up income. I just played around with Covered

I am wondering whether this is because you are in a weird transitory situation from a six figure income to a start up income. I just played around with Covered California. With 68K income and household of 4, I got plans as low as $282 per month. But if I increase my income to 120K, the cheapest plan was $750 per month. Can you use a projected income, instead of last year's income ? Also, I think when you file taxes in 2018, your should be able to get the tax credits back.