My husband and I completed open enrollment for our 2021 insurance through the exchange and are now caught in an endless loop trying to get them to verify documentation for our self-employment income. We are both self-employed and plan to be in 2021. I was a full-time employee in 2019 with a decent salary so our 2019 tax returns has no relation to what we will most likely earn in 2021. In 2020 we didn’t qualify for any ACA deduction as I received a severance payment that put us over the limit. We managed to struggle through the last few months paying the full amount knowing that we’d hopefully get some sort of reduction once reached 2021. For 2021 they’ve given us a deduction but I’ve now supplied everything they’ve asked for to verify projected income–invoices to clients, remittance advices from clients, bank statements, gross income and business expense breakdowns for the last 3 months, a letter from one agency that one client employees me through listing how much they expect to pay me in 2021 (only about $2,500), a letter explaining why our 2019 tax return bears no relation to what our 2021 income will be–and each time I upload documents they’re rejected as invalid within 24-48 hours. I call again and am given completely different advice by the representative. The last person I spoke to spent a lot of time going through exactly how to present my 3 month income/expenses document. I submitted it yesterday afternoon (a Sunday) and woke to find they’d already rejected it by 6 a.m. this morning. This suggests to me that the information isn’t even getting looked at and the system is just rejecting it automatically for some other reason. Before I make my sixth call and get yet more different information from another ACA rep I thought I’d see if anyone had any advice or had been through a similar thing. Any suggestions are extremely welcome. Thank you!
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My husband and I completed open enrollment for our 2021 insurance through the exchange and are now caught in an endless loop trying to get them to verify documentation for our self-employment income. We are both self-employed and plan to be in 2021. I was a full-time employee in 2019 with a decent salary so our 2019 tax returns has no relation to what we will most likely earn in 2021. In 2020 we didn’t qualify for any ACA deduction as I received a severance payment that put us over the limit. We managed to struggle through the last few months paying the full amount knowing that we’d hopefully get some sort of reduction once reached 2021. For 2021 they’ve given us a deduction but I’ve now supplied everything they’ve asked for to verify projected income–invoices to clients, remittance advices from clients, bank statements, gross income and business expense breakdowns for the last 3 months, a letter from one agency that one client employees me through listing how much they expect to pay me in 2021 (only about $2,500), a letter explaining why our 2019 tax return bears no relation to what our 2021 income will be–and each time I upload documents they’re rejected as invalid within 24-48 hours. I call again and am given completely different advice by the representative. The last person I spoke to spent a lot of time going through exactly how to present my 3 month income/expenses document. I submitted it yesterday afternoon (a Sunday) and woke to find they’d already rejected it by 6 a.m. this morning. This suggests to me that the information isn’t even getting looked at and the system is just rejecting it automatically for some other reason. Before I make my sixth call and get yet more different information from another ACA rep I thought I’d see if anyone had any advice or had been through a similar thing. Any suggestions are extremely welcome. Thank you!
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