Author Topic: ACA Marketplace - moved states, forgot to cancel  (Read 1370 times)


  • Magnum Stache
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ACA Marketplace - moved states, forgot to cancel
« on: July 13, 2018, 11:31:03 AM »
So we recently moved to California from Florida.  I'm self employed, wife is in school for career change so we had a Marketplace insurance plan.

I have insurance in California effective July 1.  I did not realize I was supposed to terminate coverage in the marketplace 14 days in advance, but I have not payed for July coverage in Florida.

Reading the email regarding the past-due payment, I'm thinking I need to just not pay for July and everything will be fine:

What will happen if you donít pay and you lose coverage

Your coverage will be retroactively canceled, which means youíll have to pay back the cost of any care you received after that date.
Seems like this is what I want

If you had advance payments of the premium tax credit (usually called a subsidy) to help pay for your insurance, youíll have to pay back any subsidy amount received after your coverage cancellation date.
We don't get premium tax credit advances

Youíll have to wait until the next open enrollment time to sign back up for health coverage unless you meet special criteria, like having a new baby, getting married, or moving to a new county.
Already have new coverage due to "move out of coverage area" exception.

Guess I'm wondering if my assessment seems correct to everyone.  I called FloridaBlue who referred me to the marketplace who were not helpful.  I did cancel in the marketplace today so they'll get official word that I'm not continuing with the FloridaBlue plan, but that's all I've done.

Mr. Green

  • Magnum Stache
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Re: ACA Marketplace - moved states, forgot to cancel
« Reply #1 on: July 13, 2018, 12:04:52 PM »
I think you're good. A similar thing happened to me last year. I had ACA insurance (no subsidy) though September and went on my wife's insurance in October. I thought the ACA insurance would cancel if you didn't pay your premium since you pay it monthly in advance. Turns out you actually have to cancel it through the exchange. I called CareFirst and they said they couldn't revoke my coverage for the month of October because they are required by law to follow what the exchange tells them and the exchange said I still had coverage. However, CareFirst wouldn't pay any claims in October since I hadn't paid the premium. I was okay with that because I now had insurance through my wife's job. I confirmed with CareFirst that the unpaid premium wouldn't generate a collections notice or prohibit me from using CarsFirst in the future. They said it wouldn't. They're not paying claims since no premium was paid so they didn't really care.

I did with a huge ClusterF because eventually UnitedHealthcare learned that I technically already had insurance for the month of October through CareFirst so UH not my primary insurer for that month. I thought they were so there was a couple months of hassle having my October claims rejected and then resubmitted to CF, which we're then denid, and resubmitted again through UH as a secondary insurer. UH even went so far as to claw back a payment made for a doctor visit, deny the claim resubmittal as the primary insurer, them approve and repay the claim later as the secondary insurer (since it was denied through my primary insurer due to lack of premium payment). You may not have this issue since your insurers are in different states but it might not hurt to check if you have claims during the overlapping month.