The marketplace has taken away the subsidy given to me, the only one in my household with an ACA plan, because they claimed to not get the required paperwork/uploads they requested. The thing is: they DID get those things. three times over. Multiple uploads to the website, twice physical paper copies sent to the KY address. Because of these false claims and/or technical issues on THEIR end, I am facing a $275 increase in my premium. I filed an appeal, they sent me a letter detailing what they needed and when it was needed by, I provided everything I could -did you know, it is nearly impossible to prove you’ve had no income at all? Its a nightmare. All the forms they request do not exist for me. What do I do? They don’t care.- paper and form-wise for myself and my father whom I am a dependent of, sent registered mail with tracking and I KNOW They received the envelope! USPS tracking said so, I saved the record of it too!
The thing is, I’ve heard nothing since. Not a word. This all started March 16th. They already took my subsidy away immediately for April, and now May and now I owe my insurance company $857 to keep my coverage going. I’ve only had it since January 2015! I was so happy to get help to break the cycle of “not healthy enough to work, can’t earn to get insurance, can’t get healthy without insurance” but it’s turned into a complete nightmare right in the middle of it.
In Summary: How long do appeals take? What do you do to prove you have no income of your own and thus do not HAVE the forms they request? Do I have to get a lawyer to prove to them that I had no income last year?