Katsmeow
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
- Joined
- Jul 11, 2009
- Messages
- 5,308
I am trying to figure out what my son needs to do with his in state move and his marketplace ACA policy.
He recently moved to take a job in another part of the state. He had an ACA policy that was placed for him by Via Benefits as he gets an HRA due to DH's retirement benefits for kids. So DS never himself applied at the Marketplace or created an account there because Via Benefits did it all.
He has a Blue Cross policy that is available in his new locale. It has a different plan ID number but is identical. I called Via Benefits (with his permission) and they said to start by calling Blue Cross as sometimes they will internally change the address. He called Blue Cross and they said you have to call the marketplace.
I looked at the marketplace on moves. There is one page that talks about special enrollment and requires a lot of stuff to change. It is very elaborate as to what is required.
https://www.healthcare.gov/help/prove-move/
If he had a lease for a new apartment he could do it. But, he hasn't found a permanent place and has been staying in an AirBnB (a room in someone's house) and will still be there another several weeks (at least). So he has no documentation proving he lives there.
But healthcare.gov says that if you move within the state coverage options and savings probably won't change
https://www.healthcare.gov/reporting-changes/when-you-move/
Then this page seems to imply that you can just call to get them to update your application to change the address if in state:
https://www.healthcare.gov/reporting-changes/how-to-report-changes/#online
Has anyone dealt with an in state move where you are keeping the same plan?
A couple of factors that may or may not make a difference:
1. The plan is about $20 a month cheaper at the new locale.
2. He is not eligible for a subsidy as he is using an HRA to pay for most of the cost.
3. As mentioned, he doesn't have a login to Healthcare.gov as Via Benefits did the application for him. The only concern I have there is that if they DO want documentation of his move, it says that they let you know that on your account on healthcare.gov but he has no account. I assume that technically there is one that Via Benefits created but he doesn't know any of the login info. I would hate for them to put something in the account wanting more info and him not knowing it. But, will that come up with an in state move.
4. If they do want documentation of where he lives, he thinks he can get a letter from his landlord (the owner of the AirBnB). The instructions say she would have to prove HER residence which I guess she could do through a utility bill. Or maybe I could do a letter (it says family can do one if nothing else is available). But, again, I don't know if any of this will be needed for an in state move.
Has anyone dealt with this?
He recently moved to take a job in another part of the state. He had an ACA policy that was placed for him by Via Benefits as he gets an HRA due to DH's retirement benefits for kids. So DS never himself applied at the Marketplace or created an account there because Via Benefits did it all.
He has a Blue Cross policy that is available in his new locale. It has a different plan ID number but is identical. I called Via Benefits (with his permission) and they said to start by calling Blue Cross as sometimes they will internally change the address. He called Blue Cross and they said you have to call the marketplace.
I looked at the marketplace on moves. There is one page that talks about special enrollment and requires a lot of stuff to change. It is very elaborate as to what is required.
https://www.healthcare.gov/help/prove-move/
If he had a lease for a new apartment he could do it. But, he hasn't found a permanent place and has been staying in an AirBnB (a room in someone's house) and will still be there another several weeks (at least). So he has no documentation proving he lives there.
But healthcare.gov says that if you move within the state coverage options and savings probably won't change
https://www.healthcare.gov/reporting-changes/when-you-move/
Then this page seems to imply that you can just call to get them to update your application to change the address if in state:
https://www.healthcare.gov/reporting-changes/how-to-report-changes/#online
Has anyone dealt with an in state move where you are keeping the same plan?
A couple of factors that may or may not make a difference:
1. The plan is about $20 a month cheaper at the new locale.
2. He is not eligible for a subsidy as he is using an HRA to pay for most of the cost.
3. As mentioned, he doesn't have a login to Healthcare.gov as Via Benefits did the application for him. The only concern I have there is that if they DO want documentation of his move, it says that they let you know that on your account on healthcare.gov but he has no account. I assume that technically there is one that Via Benefits created but he doesn't know any of the login info. I would hate for them to put something in the account wanting more info and him not knowing it. But, will that come up with an in state move.
4. If they do want documentation of where he lives, he thinks he can get a letter from his landlord (the owner of the AirBnB). The instructions say she would have to prove HER residence which I guess she could do through a utility bill. Or maybe I could do a letter (it says family can do one if nothing else is available). But, again, I don't know if any of this will be needed for an in state move.
Has anyone dealt with this?