When I initially applied on the exchange last year I didn't check the box to have them verify income. As a result I got an eligibility saying that I needed to upload explanations so I did so.
After doing a little more reading here about experiences, I later did a 'life change' update to the plan with the only change being that they could check income. Original app was done in Nov., updated was right before the 12/15 deadline for insurance to start 1/1/16. And voila, I then got a completed app with nothing further required other than selecting the insurance. And this is with a lot of reported severance income for last year (which ended on 2/15). So apparently they are checking current SS records to see if you're still earning when you apply because based on my 2015 income I would not have been eligible for the subsidy that I got. And my 2014 income was way higher than that.
The problem I have had after the fact is getting letters from them saying that I would lose subsidy if I didn't send them docs, based on the original app (so their stupid system ignored the original uploaded explanation and the app update). I called and marketplace CSR said you're good to go, ignore it but when I got a 'final notice' from them a couple of weeks ago I decided to send in an explanation that they have some sort of system error and please don't let their computers mess this up because my updated app was completed.
I'm waiting now to see what will happen, if anything. Hopefully I'll get nothing more and be done with it, worst case they'll take away the subsidy and I'll have to call and get it fixed.
