Well, this is a loss…HealthCareSuperHero.com got beat by Marriage and Legally Separated.
I was at an appointment with a single mom. She is married but has been legally separated for 2 years.
The question that HealthCare gov asks is if the applicant is married? (answer yes)
The next question is if the applicant will be filing jointly and I answered no.
She was denied a Subsidy/tax credit on her monthly premium…so I called in to HealthCare gov. (If she had been divorced or never married, she would have qualified for a Subsidy)
I know many people (personally and professionally) who are legal separated. Many who are working on divorce or getting back together. Some of them can afford their own HealthCare premiums, some of them need help paying that bill each month.
The person at HealthCare gov said they are trying to fix this problem (I think he said programming error), but for this family it is too little, too late.
So if you are legally separated, make sure your Licensed and Certified Insurance Agent or the volunteer punches it in correctly.
But also remember, you have no recourse against a volunteer if they enter your information wrong. They are just a volunteer. Let me suggest instead working with a Licensed and Certified Insurance Agent, because in addition to more training and experience, we do not charge to help you. We get paid by the insurance company.
Thank you for reading and have a great Holiday Season!