How flexible are life-changes through the Marketplace?

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This is my first year using the HealthCare Marketplace (previously uninsured). I applied back on November 1st for a 2021 plan and my application specified the following:

  • Current Weekly Income: Unemployment benefits ($350 a week and I specified they’ll expire before 2021)
  • Predicted 2021 Annual Income: $25,000 (which is $9,000 over the Michigan Medicaid qualifying amount)

The system auto applied me to Medicaid based on my current unemployment benefits (disregarding my predicted 2021 income), which wasn’t preferred because I’ll be returning to work any day now (restaurant that shut down due to covid that’s aiming to reopen in the next 3 weeks to 6 weeks). I figured I’d just go along with it (in case anything falls through) and report a life change once I return to work in order to pick a plan.

I received a letter from the state asking for income verification to determine my Medicaid eligibility– it directed me to mail back proofs, but the postal service was struggling (this was around the election) and the letter itself had taken over a week to reach me while also outlining a deadline of four days from that point to have proofs returned. I realized I could upload the documents through my profile on their website (which also reflected an e-version of the letter I’d received, indicating it was all cohesive), but I haven’t heard anything in the five weeks since– the uploaded documents still just reflect that they’re being processed. The disconnect between the letter and the website combined with the delay have me concerned something fell through the cracks.

Because open enrollment is ending soon, I’m wondering– assuming I did fall through the cracks and that’s not confirmed until after open-enrollment ends– would reporting “a new job” open a special enrollment period for someone who, in that case, is uninsured and doesn’t currently have a plan/coverage to amend? Alternatively, should I just fill out the Marketplace application again, now before the 15th, as though I’m already back at work so it will let me pick a plan? That’s what a co-worker who doesn’t read questions closely did and they seem to be sitting pretty. (I’m involved in management so my employment is solid, but our return date is up in the air due to state-declared covid-related closures that may or may not be extended). Any advice is appreciated.

submitted by /u/x_Jackson
[link] [comments]
This is my first year using the HealthCare Marketplace (previously uninsured). I applied back on November 1st for a 2021 plan and my application specified the following:
Current Weekly Income: Unemployment benefits ($350 a week and I specified they’ll expire before 2021) Predicted 2021 Annual Income: $25,000 (which is $9,000 over the Michigan Medicaid qualifying amount)
The system auto applied me to Medicaid based on my current unemployment benefits (disregarding my predicted 2021 income), which wasn’t preferred because I’ll be returning to work any day now (restaurant that shut down due to covid that’s aiming to reopen in the next 3 weeks to 6 weeks). I figured I’d just go along with it (in case anything falls through) and report a life change once I return to work in order to pick a plan. I received a letter from the state asking for income verification to determine my Medicaid eligibility– it directed me to mail back proofs, but the postal service was struggling (this was around the election) and the letter itself had taken over a week to reach me while also outlining a deadline of four days from that point to have proofs returned. I realized I could upload the documents through my profile on their website (which also reflected an e-version of the letter I’d received, indicating it was all cohesive), but I haven’t heard anything in the five weeks since– the uploaded documents still just reflect that they’re being processed. The disconnect between the letter and the website combined with the delay have me concerned something fell through the cracks. Because open enrollment is ending soon, I’m wondering– assuming I did fall through the cracks and that’s not confirmed until after open-enrollment ends– would reporting “a new job” open a special enrollment period for someone who, in that case, is uninsured and doesn’t currently have a plan/coverage to amend? Alternatively, should I just fill out the Marketplace application again, now before the 15th, as though I’m already back at work so it will let me pick a plan? That’s what a co-worker who doesn’t read questions closely did and they seem to be sitting pretty. (I’m involved in management so my employment is solid, but our return date is up in the air due to state-declared covid-related closures that may or may not be extended). Any advice is appreciated.
submitted by /u/x_Jackson [link] [comments]Read Morer/HealthInsurance

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