I was laid off work back in March of 2018. I could not pay the premium, so I called to see what I could do. My Insurance was canceled.
I called Market Place to get back on the Insurance a couple months later and I was told my Insurance should have never been canceled, it should have been extended due to my lay off. So there was nothing they could do but reinroll me. The premium tripled and the deductible was 7,000.00$. I could not afford this So I didn't enroll.
Come tax time I owed over$1000.00 because of subsadation I was given was too much, even though I only had the Insurance January- April 10th. The rest of the year I paid for all medical.
This Insurance was just for me, not my husband. My husband is covered by the VA. Yet our income was combined. If I had Insurance through my employer they wouldn't take it out of my husdand's pay.
I called market Place Insurance and they told me to call the IRS.
I called the IRS and they said we don't deal with this, we only deal with collecting what you owe. Okay so I sign up for Market Place Insurance because it was enforced.
My employer does not insure seasonal help. My husband's employer does not provide Insurance. I could not get on the VA Insurance. I did not qualify for Medicaid.
I have to pay over$1000.00 because I was laid off from work. This is a crime.
Been dealing with these a******* for over 3 months now, and every time I call I get a different story by a different operator about how my insurance works! They have pawned me off onto 3 different insurance companies and every time I call them back they say oh well you obviously didn't get that insurance from the Marketplace. To top it off now I get the feeling that I'm paying for 2 different insurances 1 of which I cannot use in my state and the other whom I've never heard of the company. I've been fighting this battle since 12-13-17 and it just won't end
In October 2016 I had to change my health insurance because my plan was no longer available. I was told everything was okay and I received my new tax credit starting Jan 2017. In December 2016 I received bill for 1200 Dollars. They told me it was a mistake that my tax credit was not applied for January and they would fix it even after at least 7 or 8 phone calls they did not know why it was not fixed. Talked to managers also between December 2016 and May 2017. They sent me appeal forms even though it was not my fault things were messed up and I still did not get any reason why tax credit was not applied. In the meantime I could not pick up meds or go to doctor because my insurance was refused for non-payment. I filled out appeal but told them I should not fill out an appeal because it was the Health Insurance Marketplace's fault. They canceled my appeal. I then wrote another letter and called and asked why they canceled an appeal that was not supposed to be an appeal in the first place. They wrote back and told me they reopened my appeal. They sent me forms to fill out and I asked for the reason why my tax credit was not applied but they could not tell me.
They then sent me a Notice of Informal Resolution and asked me to respond online or call above 1-800 number. I followed instructions in their letter but they were wrong and the application ID they provided was invalid. I called a manager named Ronya at above 1-800 number and she confirmed that the instructions were not good and also confirmed that the application ID for my appeal was invalid and the reasons for not receiving a tax credit were not completely clear. She thought it might have been due to the fact that some tax information was not processed by their system, but that is human entry error and not my fault either.
Today, May 26, 2017 I received a letter stating that I did not follow their directions and therefore my appeal resolution would remain the same, i.e. the $1200 for January remain.
Coverage my daughter received in 2015 via healthcare.gov was based on my income because she still lives with me and did not work but was attending college. The marketplace representative completed the application for me and was approved for a silver plan in which I paid for a full year. When I completed my 2015 taxes I was hit with a $1500 penalty because according to the IRS I did not have enough money taking out to cover my healthcare plan for my daughter. WOW!! After talking with 3 individuals at the Marketplace even a supervisor I was told it was nothing they could do, they had my income listed/reported for an amoount I did not report to them. I have all the information including my income, which hasn't change, I just wanted to know how could I have been $12,650 short in my income. Now come 2016, they sent me a 1095A which indicates coverage for one month. Contacted the marketplace on February 10, 2017. My escalation was approved that I did pay for coverage a full year for my daughter. I was told by the marketplace that my corrected 1095A was mailed out on March 21st. It is now April 17th and I still have not receive my corrected 1095A and need it in order to complete my taxes. Because I did not receive my corrected 1095A I file an extension on Sunday, April 16th and was approve.
I contact the Marketplace on today, April 17th and spoke with a Tier 2 Supervisor and she told me that she will have to resubmit my escalation again since I never received the first corrected 1095A and that it could take up to another 30 days. What the ?? using the marketplace to gain coverage has cost me more time and money. It's not worth it. Did I get coverage for my daughter via the marketplace/healthcare.gov for 2017? No. The monthly premium based upon my income on a silver plan triple Can't afford it plus having to deal with a $1500 penalty/fine with IRS. When is it that this companies making all these mistakes are made to pay, why is it that we as consumers are always left to pay for their untrained employees? I am not pleased
I wanted to remove my daughter from our Healthcare.gov plan effective April 1st.
prior to April 1st I tried to use the web site but could not figure out how to do it, so I called the phone support.
I told the gent what I wanted to do. keep the same plan, drop my daughter effective April 1st. The agent said he could do it for me. During the changes he asked me questions like this was a new application. I restated that i wanted to keep the same poilcy and just drop my Daughter April 1st. After all of the agent’s work he said that there was nowhere to enter an effective date and he'd have to submit the application to see what happens. Then he read some info to me. He said that since the change is beign made after March 15th I'd need to pay for my daughter's coverage for April but would get the supplementary payment for only myself and wife for April. I asked for a supervisor.
Monique Lee came on the phone and said she was a supervisor. She said that the agent should have told me to call back APRIL 1st to make the changes as changes are effective immediately. She could not change it back and that is that.
I was mis informed, their staff is not informed- but my family winds up being at risk during the gap from now till April 1. That is if I believe what I was told last. I'm just not sure of anything I'm told by these people. Not a thing.
I had been working on the health care website updating my information for the 2017 year.
My son graduated from college in December. He had been on our insurance. We found out he had coverage at his new job so cancelled his coverage 12/28 and paid the premium due.
Now, in March, they went back and billed us an additional $391.33 to cover him for January because we did not put in for a 'plan change' until after the 15th of December.
"It was before the coverage started". Any business would not get away with billing a customer for something they did not want and cancelled before the effective dates.
My husband and I thought we were supposed to sign up for Obamacare so we did. We were told by the Marketplace that our health insurance would be $250 per month. That was a great savings compared to what we paid through his work so we went with it.
The Market place proceeded to sign us up to two insurance plans at one point and charged us for both. My husband paid because we were told that our insurance would be canceled otherwise, they would not return our money.
Fast forward to April. Now we find out that Internal Revenue wants an additional $11.000 from us which would make our health insurance for last year 16.000! When we asked how it is possible they said to call the Marketplace.
The Marketplace gave us the run around and said to call the insurance company. The woman at the insurance company (Healthnet) said their best plan would not come close to that much; we payed three times what we would pay through my husband's job.
To top this off, the Marketplace Rep. told us Healthnet was not serving AZ this year and had us switch to Healthchoice. After contacting Helthnet we found this to be a lie.
The punch line is that they said our insurance is free now. What will this free insurance with Health Choice cost us?
We canceled it, if the Marketplace actually does what we ask.
The complaint that I have is with the Healt Marketplace and the misinformation they are giving people and costing them BIG bucks!! I, as required by law, enrolled for a health plan I could really not afford, thanks to our illusterious president. I spent over an hour on the phone getting signed up and was told at the time of sign up that only MY income counted as far as getting government subsudy for the healthcare program. I followed all the rules and laws......I thought! i found out when I filed my income tax that the people at the Marketplace lied to me. IRS says ALL family income must be counted, which means that Ihad to count my wife's socialsecurity and my partial social sceurity as part of my is held back since I still work. Since they lied and gave me erronious information, not only did I loose my refund I also had to pay in an additional $624.00 which means that I paid in $1515.00.
The nice folks at IRS said they had numerous complaints of this very kind and that I needed to contact the Marketplace since once youe sign and send in your tax forms YOU are responsible.
I contacted the Marketplace and they did tell me that I could appeal. So I appealed and the Marketplace appeals division said that me loosing my refund and having to pay in money to the IRS was NOT a legitimate reason for an appeal and they were "sorry" that thi happened, but all tyhe representatives were maybe not trained as well as they should have been. So I am out this amount of money, no one cares and apparently no one is going to do anything about it or cares to do anything about it. Watch what these people tell you and check with the IRS or someone to be sure you do not get ripped off when paying your taxes because of someone else's mistakes and lack of training.
I had the exact same thing happen this year 2016 when I signed up for healthcare for only two months. I just wonder if I am going to be penalized again this year. I called the marketplace, they again, admitted they knew this was happrning, I told them I would pay the extra premium amount for the two months and they said there was no way to do that as I had already paid it and they did not know how to figure the correct amount owed. The above is why I ask the question....Does anyone know what they are doing? They give you incorrect information and can not tell you how to figure it out topay the correct aqmount even though THEY made the mistake
The marketplace kept me in the dark regarding what was wrong with my application until the open enrollment period was closed ( yesterday). Then yesterday I received 4 phone calls from them explaining that, due to my lack of response, they are increasing my monthly payment from $130/mo to $433/mo. Since it's past the open enrollment period I can't even try to get a better price from a private company. I have no recourse and they have no consequence.
An FYI for anyone believing in the MarketPlace AKA Obama Care!!!
My husband, 3 dependent grandchildren and I moved from Northern Maine to North Carolina due to a profound illness I suffer from requiring warm climate. Having worked for 25 years in healthcare for hospitals and physicans in billing and claims processing, I feel lucky to have insurance knowledge these days will all of the changes.
At 60 years old and just deemed disabled I found myself having to apply for MarketPlace insruance after first applying for Medicaid and being denied. Our 3 grandchildren were granted coverage through Medicaid however we were referred to the MarketPlace. After a long application and providing full income verification we were sent a letter stating we were eligible for a reduced preumim with United HealthCare of North Carolina. Then about 2 months later our income changed when my spouse found employment, we updated our information as required .
Now here we are at tax time, upon completing our tax return what a huge shock, our $8,000.00 return turned instantly to you owe the IRS 1,300.00 . We have to pay back the health care tax credit of over $9,000.00 because when we moved my husband withdrew a 401K he had paid into for 20 years through employment for relocation. Not only did we get to pay the IRS $20,000.00 in taxes, that I understand and luckily for us we avoided an additional $8,000.00 ;penalty because of our circumstances but now we are hit with a huge $9,000.00 healthcare bill. We were mislead into believing this to be a good thing and were denied the opportunity to shop for other insurances because we were given false information by our government sponsered health insurance and led to believe they were saving us so much money!
When I called to discuss my discontent I was on hold the first time for 27 minutes, then when someone answered we were cut off. The second call I held for 35 minutes. When I explained the above compliant and then asked why when applying for Medicaid, being a Federal/State paid program their guidelines were only asking for 3 months of income verification and this is asked upfront, however the MarkePlace also a Federal Program working hand in hand with the Medicaid program takes your application and wage verification they never imply at the end of the year they can go back as many months and retract all preimums as welll as penitilies without prior disclosure or even requesting it at the time of application. My response was, "I don't know, can you hold....holding I did for an additional hour and a half, still no answers, nobody knew. I explained I needed an answer this was a $9,000.00 question. Finally I was asked to speak with a Superviosr, guess again, holding another 10 minutes then finally a person that cuts me off. We were honest and forthcoming with all required information when asked for, and taken advantage of for it.
I don't think anyone is at home at the MarketPlace with any answers and soon if we are all lucky it will go away, we are now dealing with the dishonest government that should never have pretended to know healtinsurance when they obivously don't . This looks like doble dipping, first they Tax the retirment for 20K then penalize your healthcare 9K. My husband makes $12.50 an hour I live off of disability of $1,180.00 a month and support a family of 5. So ask youself is this oood for the everyday American? I don't think so!
HealthCare.gov Reviews
I was laid off work back in March of 2018. I could not pay the premium, so I called to see what I could do. My Insurance was canceled.
I called Market Place to get back on the Insurance a couple months later and I was told my Insurance should have never been canceled, it should have been extended due to my lay off. So there was nothing they could do but reinroll me. The premium tripled and the deductible was 7,000.00$. I could not afford this So I didn't enroll.
Come tax time I owed over$1000.00 because of subsadation I was given was too much, even though I only had the Insurance January- April 10th. The rest of the year I paid for all medical.
This Insurance was just for me, not my husband. My husband is covered by the VA. Yet our income was combined. If I had Insurance through my employer they wouldn't take it out of my husdand's pay.
I called market Place Insurance and they told me to call the IRS.
I called the IRS and they said we don't deal with this, we only deal with collecting what you owe. Okay so I sign up for Market Place Insurance because it was enforced.
My employer does not insure seasonal help. My husband's employer does not provide Insurance. I could not get on the VA Insurance. I did not qualify for Medicaid.
I have to pay over$1000.00 because I was laid off from work. This is a crime.
Been dealing with these a******* for over 3 months now, and every time I call I get a different story by a different operator about how my insurance works! They have pawned me off onto 3 different insurance companies and every time I call them back they say oh well you obviously didn't get that insurance from the Marketplace. To top it off now I get the feeling that I'm paying for 2 different insurances 1 of which I cannot use in my state and the other whom I've never heard of the company. I've been fighting this battle since 12-13-17 and it just won't end
In October 2016 I had to change my health insurance because my plan was no longer available. I was told everything was okay and I received my new tax credit starting Jan 2017. In December 2016 I received bill for 1200 Dollars. They told me it was a mistake that my tax credit was not applied for January and they would fix it even after at least 7 or 8 phone calls they did not know why it was not fixed. Talked to managers also between December 2016 and May 2017. They sent me appeal forms even though it was not my fault things were messed up and I still did not get any reason why tax credit was not applied. In the meantime I could not pick up meds or go to doctor because my insurance was refused for non-payment. I filled out appeal but told them I should not fill out an appeal because it was the Health Insurance Marketplace's fault. They canceled my appeal. I then wrote another letter and called and asked why they canceled an appeal that was not supposed to be an appeal in the first place. They wrote back and told me they reopened my appeal. They sent me forms to fill out and I asked for the reason why my tax credit was not applied but they could not tell me.
They then sent me a Notice of Informal Resolution and asked me to respond online or call above 1-800 number. I followed instructions in their letter but they were wrong and the application ID they provided was invalid. I called a manager named Ronya at above 1-800 number and she confirmed that the instructions were not good and also confirmed that the application ID for my appeal was invalid and the reasons for not receiving a tax credit were not completely clear. She thought it might have been due to the fact that some tax information was not processed by their system, but that is human entry error and not my fault either.
Today, May 26, 2017 I received a letter stating that I did not follow their directions and therefore my appeal resolution would remain the same, i.e. the $1200 for January remain.
Coverage my daughter received in 2015 via healthcare.gov was based on my income because she still lives with me and did not work but was attending college. The marketplace representative completed the application for me and was approved for a silver plan in which I paid for a full year. When I completed my 2015 taxes I was hit with a $1500 penalty because according to the IRS I did not have enough money taking out to cover my healthcare plan for my daughter. WOW!! After talking with 3 individuals at the Marketplace even a supervisor I was told it was nothing they could do, they had my income listed/reported for an amoount I did not report to them. I have all the information including my income, which hasn't change, I just wanted to know how could I have been $12,650 short in my income. Now come 2016, they sent me a 1095A which indicates coverage for one month. Contacted the marketplace on February 10, 2017. My escalation was approved that I did pay for coverage a full year for my daughter. I was told by the marketplace that my corrected 1095A was mailed out on March 21st. It is now April 17th and I still have not receive my corrected 1095A and need it in order to complete my taxes. Because I did not receive my corrected 1095A I file an extension on Sunday, April 16th and was approve.
I contact the Marketplace on today, April 17th and spoke with a Tier 2 Supervisor and she told me that she will have to resubmit my escalation again since I never received the first corrected 1095A and that it could take up to another 30 days. What the ?? using the marketplace to gain coverage has cost me more time and money. It's not worth it. Did I get coverage for my daughter via the marketplace/healthcare.gov for 2017? No. The monthly premium based upon my income on a silver plan triple Can't afford it plus having to deal with a $1500 penalty/fine with IRS. When is it that this companies making all these mistakes are made to pay, why is it that we as consumers are always left to pay for their untrained employees? I am not pleased
I wanted to remove my daughter from our Healthcare.gov plan effective April 1st.
prior to April 1st I tried to use the web site but could not figure out how to do it, so I called the phone support.
I told the gent what I wanted to do. keep the same plan, drop my daughter effective April 1st. The agent said he could do it for me. During the changes he asked me questions like this was a new application. I restated that i wanted to keep the same poilcy and just drop my Daughter April 1st. After all of the agent’s work he said that there was nowhere to enter an effective date and he'd have to submit the application to see what happens. Then he read some info to me. He said that since the change is beign made after March 15th I'd need to pay for my daughter's coverage for April but would get the supplementary payment for only myself and wife for April. I asked for a supervisor.
Monique Lee came on the phone and said she was a supervisor. She said that the agent should have told me to call back APRIL 1st to make the changes as changes are effective immediately. She could not change it back and that is that.
I was mis informed, their staff is not informed- but my family winds up being at risk during the gap from now till April 1. That is if I believe what I was told last. I'm just not sure of anything I'm told by these people. Not a thing.
I had been working on the health care website updating my information for the 2017 year.
My son graduated from college in December. He had been on our insurance. We found out he had coverage at his new job so cancelled his coverage 12/28 and paid the premium due.
Now, in March, they went back and billed us an additional $391.33 to cover him for January because we did not put in for a 'plan change' until after the 15th of December.
"It was before the coverage started". Any business would not get away with billing a customer for something they did not want and cancelled before the effective dates.
My husband and I thought we were supposed to sign up for Obamacare so we did. We were told by the Marketplace that our health insurance would be $250 per month. That was a great savings compared to what we paid through his work so we went with it.
The Market place proceeded to sign us up to two insurance plans at one point and charged us for both. My husband paid because we were told that our insurance would be canceled otherwise, they would not return our money.
Fast forward to April. Now we find out that Internal Revenue wants an additional $11.000 from us which would make our health insurance for last year 16.000! When we asked how it is possible they said to call the Marketplace.
The Marketplace gave us the run around and said to call the insurance company. The woman at the insurance company (Healthnet) said their best plan would not come close to that much; we payed three times what we would pay through my husband's job.
To top this off, the Marketplace Rep. told us Healthnet was not serving AZ this year and had us switch to Healthchoice. After contacting Helthnet we found this to be a lie.
The punch line is that they said our insurance is free now. What will this free insurance with Health Choice cost us?
We canceled it, if the Marketplace actually does what we ask.
The complaint that I have is with the Healt Marketplace and the misinformation they are giving people and costing them BIG bucks!! I, as required by law, enrolled for a health plan I could really not afford, thanks to our illusterious president. I spent over an hour on the phone getting signed up and was told at the time of sign up that only MY income counted as far as getting government subsudy for the healthcare program. I followed all the rules and laws......I thought! i found out when I filed my income tax that the people at the Marketplace lied to me. IRS says ALL family income must be counted, which means that Ihad to count my wife's socialsecurity and my partial social sceurity as part of my is held back since I still work. Since they lied and gave me erronious information, not only did I loose my refund I also had to pay in an additional $624.00 which means that I paid in $1515.00.
The nice folks at IRS said they had numerous complaints of this very kind and that I needed to contact the Marketplace since once youe sign and send in your tax forms YOU are responsible.
I contacted the Marketplace and they did tell me that I could appeal. So I appealed and the Marketplace appeals division said that me loosing my refund and having to pay in money to the IRS was NOT a legitimate reason for an appeal and they were "sorry" that thi happened, but all tyhe representatives were maybe not trained as well as they should have been. So I am out this amount of money, no one cares and apparently no one is going to do anything about it or cares to do anything about it. Watch what these people tell you and check with the IRS or someone to be sure you do not get ripped off when paying your taxes because of someone else's mistakes and lack of training.
I had the exact same thing happen this year 2016 when I signed up for healthcare for only two months. I just wonder if I am going to be penalized again this year. I called the marketplace, they again, admitted they knew this was happrning, I told them I would pay the extra premium amount for the two months and they said there was no way to do that as I had already paid it and they did not know how to figure the correct amount owed. The above is why I ask the question....Does anyone know what they are doing? They give you incorrect information and can not tell you how to figure it out topay the correct aqmount even though THEY made the mistake
The marketplace kept me in the dark regarding what was wrong with my application until the open enrollment period was closed ( yesterday). Then yesterday I received 4 phone calls from them explaining that, due to my lack of response, they are increasing my monthly payment from $130/mo to $433/mo. Since it's past the open enrollment period I can't even try to get a better price from a private company. I have no recourse and they have no consequence.
An FYI for anyone believing in the MarketPlace AKA Obama Care!!!
My husband, 3 dependent grandchildren and I moved from Northern Maine to North Carolina due to a profound illness I suffer from requiring warm climate. Having worked for 25 years in healthcare for hospitals and physicans in billing and claims processing, I feel lucky to have insurance knowledge these days will all of the changes.
At 60 years old and just deemed disabled I found myself having to apply for MarketPlace insruance after first applying for Medicaid and being denied. Our 3 grandchildren were granted coverage through Medicaid however we were referred to the MarketPlace. After a long application and providing full income verification we were sent a letter stating we were eligible for a reduced preumim with United HealthCare of North Carolina. Then about 2 months later our income changed when my spouse found employment, we updated our information as required .
Now here we are at tax time, upon completing our tax return what a huge shock, our $8,000.00 return turned instantly to you owe the IRS 1,300.00 . We have to pay back the health care tax credit of over $9,000.00 because when we moved my husband withdrew a 401K he had paid into for 20 years through employment for relocation. Not only did we get to pay the IRS $20,000.00 in taxes, that I understand and luckily for us we avoided an additional $8,000.00 ;penalty because of our circumstances but now we are hit with a huge $9,000.00 healthcare bill. We were mislead into believing this to be a good thing and were denied the opportunity to shop for other insurances because we were given false information by our government sponsered health insurance and led to believe they were saving us so much money!
When I called to discuss my discontent I was on hold the first time for 27 minutes, then when someone answered we were cut off. The second call I held for 35 minutes. When I explained the above compliant and then asked why when applying for Medicaid, being a Federal/State paid program their guidelines were only asking for 3 months of income verification and this is asked upfront, however the MarkePlace also a Federal Program working hand in hand with the Medicaid program takes your application and wage verification they never imply at the end of the year they can go back as many months and retract all preimums as welll as penitilies without prior disclosure or even requesting it at the time of application. My response was, "I don't know, can you hold....holding I did for an additional hour and a half, still no answers, nobody knew. I explained I needed an answer this was a $9,000.00 question. Finally I was asked to speak with a Superviosr, guess again, holding another 10 minutes then finally a person that cuts me off. We were honest and forthcoming with all required information when asked for, and taken advantage of for it.
I don't think anyone is at home at the MarketPlace with any answers and soon if we are all lucky it will go away, we are now dealing with the dishonest government that should never have pretended to know healtinsurance when they obivously don't . This looks like doble dipping, first they Tax the retirment for 20K then penalize your healthcare 9K. My husband makes $12.50 an hour I live off of disability of $1,180.00 a month and support a family of 5. So ask youself is this oood for the everyday American? I don't think so!