Does a lump sum settlement count for the entire year or only for the month in which it was received as it relates to the Obamacare subsidy? I have seen conflicting information on the internet. The settlement relates to income received from a divorced spouse. The liability accumulated over several years, but settled this month with the payment. Rephrased, the payment is large enough that if counted for the whole year, the entire year subsidy would be zero, but if counted only in the month received, the result would be losing the subsidy for only one month.