Why Do I Owe the ObamaCare Penalty?

I have had health insurance for all of 2014. ( jan and feb 2014 was from the company i worked for. I lost my job, and from march 1 2014 thru dec 2014 i was on obama care. I made less than i projected in 2014, yet i got a $ 695 penalty. why??

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my wife’s disability that she waited two years for put us over the income limit which we got on 12/20/2015 and they want us to pay $6000 i don’t understand

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