If you bought health insurance last year through Obamacare, you may be pleasantly surprised at tax time to find out you have money coming to you.

But it’s just as likely the surprise will go the other way: You might owe Uncle Sam some money if the government subsidy you received for buying insurance through the Affordable Care Act marketplace was too large based on your income. And if you skipped buying health insurance entirely, you probably will face a penalty. On average, those penalties this year are running $383 among H&R Block customers. That’s an increase from $172 a year ago.

If this is confusing or unpleasant, don’t decide to ignore the matter.

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