Short answer: You have to file. If you or anyone in your household received advance premium tax credits, you must file a federal tax return and reconcile them on Form 8962, even if you normally would not have to file. Skipping it can get your e-filed return rejected, and failing to reconcile can make you ineligible for advance credits in a future year.
Getting advance premium tax credit creates a filing obligation. The IRS says you must file a tax return if advance credit payments were made for your coverage, and you reconcile by attaching Form 8962. If you file electronically without the required Form 8962, the IRS may reject your return until you add it.
Beyond a rejected return, there is a longer-term consequence: people who fail to file and reconcile their premium tax credit can lose eligibility for advance payments in a later year, which would mean paying full price for Marketplace coverage up front. If you had Marketplace coverage at any point in the year, file and reconcile to stay eligible.