Should have paid taxes immediately on the unemployment benefits and paid attention to the income limits for Obama care. She’s lucky she’s not stuck with the entire bill for insurance which can easily be $1K per month for single person.
I early retired and have to supplement my retirement income with savings to avoid full insurance costs till 65.
A former co-worker in NJ recently asked about something on her state return indicating she owed money related to health insurance; I didn’t understand what she described. Unemployment wasn’t involved, and she wasn’t insured last year - yet she says she owes a few thousand dollars to the state.