Open Enrollment (MI) – Why can’t I add my kid?

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Due to losing my job, this is the first time I’ve ever gone through getting insurance through the marketplace, so I’m a little puzzled on this specific aspect: the site seems to want my 11 year-old kid to go on Medicaid.

My family is on COBRA right now, but it’s nearly $1,600 / month. I was hoping with open enrollment, I could switch to a higher deductible plan with the same provider to bridge my family until I’m back to work and back on an employer’s plan.

When I go through the application (and I’ve run a few different scenarios involving taking IRA distributions to bump up the total income well over the poverty line) it consistently prevents me from adding my kid.

So, my wife an I can definitely buy whatever insurance we want, but my kid gets “May be eligible for free or low-cost coverage…” with the next steps listed as waiting for the state to get back to me, instead of proceeding to choose a medical plan.

How do I get around this so I can buy a plan that covers everyone? My biggest concern here is that her doctor doesn’t accept Medicaid (not to mention going through the paperwork, changing providers, and so on that may only be necessary for a month or so of coverage).

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Due to losing my job, this is the first time I’ve ever gone through getting insurance through the marketplace, so I’m a little puzzled on this specific aspect: the site seems to want my 11 year-old kid to go on Medicaid. My family is on COBRA right now, but it’s nearly $1,600 / month. I was hoping with open enrollment, I could switch to a higher deductible plan with the same provider to bridge my family until I’m back to work and back on an employer’s plan. When I go through the application (and I’ve run a few different scenarios involving taking IRA distributions to bump up the total income well over the poverty line) it consistently prevents me from adding my kid. So, my wife an I can definitely buy whatever insurance we want, but my kid gets “May be eligible for free or low-cost coverage…” with the next steps listed as waiting for the state to get back to me, instead of proceeding to choose a medical plan. How do I get around this so I can buy a plan that covers everyone? My biggest concern here is that her doctor doesn’t accept Medicaid (not to mention going through the paperwork, changing providers, and so on that may only be necessary for a month or so of coverage).
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