My wife and I (retired, too much income for subsidies, not eligible for medicare etc) apparently qualify for exemptions because last year’s ‘grandfathered’ policy was cancelled and the cheapest bronze is in excess of 8% of our AGI/MAGI. finding someone at healthcare.gov or at the two insurance providers in our area who understood how to help us was impossible.
We are supposed to be eligible to purchase a catastrophic policy due to the 8% rule, but it took a week on the phone with each of the healthcare providers to convince them of this. Once convinced, we had the problem that their software was not set up to give a quote for catastrophic for anyone over 30. never got any quotes.
Apparently, if you have an ECN (not supposed to need one for the ‘cancellation/unaffordable’ exemption) you can get the marketplace to quote catastrophic, but good luck with that, too.
We filled out and sent in the exemption form back in November (at the time. it was a 4 page form – now it has grown to 12 pages) – we do everything jointly (taxes, insurance coverage), yet they granted an ECN to my wife but said they ‘needed more information’ for me.
Nowhere did they say what the additional info was or where to send it. healthcare.gov was of no help here either.
So here we are paying an ADDITIONAL $500/month (about $840 total) for what is effectively catastrophic coverage (it is a ‘bronze’ plan, has $10k deductible and covers the minimum up until that point).
I could go on with my adventures with the NC state insurance commissioner’s office, etc, but you get the drift