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Suppose you had insurance through the ACA in 2022, and you had your entire premium covered by tax credits due to only working part of the year. 2023 is around the corner, you've started a new job with a higher yearly income, ignore healthcare.gov completely, don't request a tax credit for 2023, and just assume that the insurance will cancel itself due to non-payment. Discover later on that the tax credit was given again for 2023, in spite of never opting in for it. The ACA insurance keeps going throughout the entire year. The ACA insurance is basically the same as the one provided by your work, covers all the same stuff, just has a higher deductible. Same insurance company. Healthcare service costs throughout the year are split between each plan, depending on whether the healthcare provider updated your info when you gave them a new card from work, or they ignored it and stuck with the ACA one anyway. Is there a way to get the unwanted insurance plan cancelled, and the services re-billed to the wanted insurance instead? So, getting a check from the insurance company for money you shouldn't have had to have spent because already met the deductible? Is the only viable path forward to accept those losses, and to also have to pay back 12 months of premium tax credits? Does everything have to be paid back at once? Getting money back would be fantastic, no money back and no money out would be acceptable, but no money back and owing a few thousand would be quite unfortunate.
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Apr 15, 2024 20:18
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| # ¿ May 16, 2024 13:32 |
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