>Does that mean that I would be receiving $1,100 x 12 months (13,200) for my refund next year if I didn't take the tax credit for health insurance?

Not exactly. But maybe ...

When you file your Federal tax return for 2022, you'll "reconcile" all of this "APTC" monthly discounting and insurance seller premium paying from your pockets of your money all year according to a specific formula.

Three variables in that formula matter:

1. How much of a discount you were originally eligible for ($13,200) that was never paid to the insurance seller by the Federal government for the coverage product you bought. This amount is determined by your estimated income for 2022. That's why it's called an "Advance Premium Tax Credit." The Federal government can advance the insurance seller $13,200/yr. in public revenue (general income tax revenue) to pay it for a coverage product premium you buy.

2. How much you actually ended up being eligible for during the year, which is based on your actual earnings in 2022 as well as household composition (how many people are dependent upon the actual income), and how many people were actually enrolled in the coverage product, their ages, and their zip code. This amount, your "Premium Tax Credit, may or may not be the same amount as your original "APTC." Because nobody is guessing anymore. Your actual earnings are available to use for calculating your monthly discount.

3. The "cost" of the "second-lowest cost silver plan" available for purchase in your zip code.

<Math_here> ultimately determines how much your Federal tax obligation is reduced (yea, a refund!) or increased (oh no, owe taxes?!?) and according to the variables.