Author Topic: ACA sign up timing, Giving notice, moving cross country...etc.  (Read 2006 times)

Nemesis.

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« Last Edit: July 31, 2021, 07:37:42 AM by Nemesis. »

FIRE 20/20

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Re: ACA sign up timing, Giving notice, moving cross country...etc.
« Reply #1 on: June 05, 2021, 12:38:04 PM »
tl;dr - You probably want to either call the Washington Apple Care phone number or contact a Registered Broker / Navigator.

Long version:
With unusual circumstances like moving from out of state, I'd call the Washington exchange help phone number.  They can probably explain what it takes to get coverage.  My guess is that getting a new driver's license, signing a lease, showing a utilities connection receipt, or something like that would probably be enough.  But that's just a guess. 
I suspect you know this, but you should try to apply before the 15th of the month. 
From the Washington State Special Enrollment Period checker:  (https://www.wahbexchange.org/wp-content/uploads/2020/06/SEP-Checker-2.pdf)
"Coverage start dates typically fall to the first of the month after selecting a plan. Some events automatically provide retroactive coverage, like birth. Coverage dates can begin later if you report coverage ending at a future date. You have 60 days to select a plan"
and
https://www.wahbexchange.org/new-customers/application-quick-tips/
"Coverage Start Dates - If you want your coverage to begin next month, you must enroll by the 15th of the month. If you enroll after that, your coverage won’t start until the following month."

I'm not in Washington, but in my state the application process didn't take very long.  I think I was able to apply and get approved the same day, but I don't remember.  The difficulty I've had was that my state doesn't allow a letter describing unusual income situations as many other states do.  My state required me to complete a form that was buried on their website.  It took me weeks of looking and calling and getting my income projection rejected multiple times to finally find the form.  For me that was by far the most difficult part. 

If you're not able to apply until you have residency and you won't have residency until after the 15th, you can choose to rely on your ability to get COBRA and back-date the start date.  With COBRA, you have 60 days to sign up and once you do your coverage start (on COBRA) is back-dated to when you left your job so you have no gap in coverage.  I had that as a back-stop for my coverage when I FIREd.  In your situation, how that could work is you could give notice on March 1, start your drive on March 15, and arrive around March 25 in Washington.  Apply for coverage over the next ~20 days (before April 15) and your coverage on your Washington state plan would start May 1.  You wouldn't be covered during the month of April, but if you suddenly had a need for coverage during that time you can sign up for COBRA before the end of April.  You might have a day or two of no coverage because there are more than 60 days from March 1 through May 1 but that should be manageable.  Just don't do anything stupid on April 30.  :)  If you take that route you could give someone you trust the information required to apply for COBRA in case you end up in a car crash during the drive and aren't able to complete the application. 

The other option is that in some cases you can apply ahead of your eligibility date. 
"Coverage dates can begin later if you report coverage ending at a future date. You have 60 days to select a plan. "

In that case you could apply during the first half of March even though you're not yet eligible.  You might need to call the help phone number or work with either a Navigator or a Broker to find out if that's possible.  You can be conditionally approved pending submission of additional documents.  In that case you might need to apply during the first half of March and then get your Washington Driver's License right when you arrive.  You could then submit a copy of your new license to prove residency, and your coverage should start at the beginning of April.

For the road trip, keep in mind that mid-March is often a very snowy time in parts of the Rockies.  If you cross Colorado/Utah/Idaho/Wyoming during that time there's a decent chance you'll be driving through a blizzard on a mountain pass.  I would only do that in a vehicle with good quality winter tires and then only if I really needed to.  AWD doesn't help as much as good tires, so don't trust just being in an SUV to get through.  If your schedule is flexible you could just plan to spend a few days in Denver/Salt Lake/Cheyenne/etc. if you run into bad weather.  The good thing is that at that time of year there's generally enough sunshine to melt the snow within a day or two if one of those storms pass through so you probably wouldn't be delayed more than 1-2 days.  The major interstates are also well maintained in those stated during winter, so once the weather clears the roads are clear pretty quickly. 
And in that area there are often places without good cell phone coverage.  I'd have plenty of music and/or podcasts downloaded if you're planning to use your phone for entertainment, and I'd also download some off-line googlemaps for that part of the drive as well. 

jim555

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Re: ACA sign up timing, Giving notice, moving cross country...etc.
« Reply #2 on: June 05, 2021, 12:45:45 PM »
Another option is WA has up to 3 months retroactive coverage through Medicaid.  You would need to be under the line for income in the retroactive months and resident. 

ixtap

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Re: ACA sign up timing, Giving notice, moving cross country...etc.
« Reply #3 on: June 05, 2021, 01:08:58 PM »
I vote for COBRA and planning more time for the road trip.

lhamo

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Re: ACA sign up timing, Giving notice, moving cross country...etc.
« Reply #4 on: June 05, 2021, 03:25:07 PM »
Highly recommend working with a Healthcare Navigator. They have real time access to the system and can get you signed up on the spot.

You do have to by physically present to establish residency in Washington to sign up.  Eligibility for Medicaid is based on your ACTUAL income in the month you arrive, and Medicaid coverage can be backdated to the first of the month if you meet the income limits.  If you have control over when you take income from investments, etc. it might be worth structuring things so that you can start out on Medicaid.   If you are a low user of healthcare Medicaid actually costs fellow taxpayers less than paying your subsidies.  And at least in the greater Seattle area the provider networks for Medicaid are pretty good (except for dental).

ysette9

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ACA sign up timing, Giving notice, moving cross country...etc.
« Reply #5 on: June 05, 2021, 07:40:43 PM »
Will you have established residency and set up utilities and all of that before you arrive? It took us a couple of weeks to get the paperwork needed to be able to apply for WA drivers licenses after we moved.

Paul der Krake

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Re: ACA sign up timing, Giving notice, moving cross country...etc.
« Reply #6 on: June 05, 2021, 09:37:50 PM »
I have done this, but not to WA.

In my experience, the federal exchange doesn't ask for residency documentation. It just takes your word for it, gets you into a policy, and asks questions later. In my case I received an income verification demand letter 3 months into my policy. That may be different for the WA exchange, but I kinda doubt it?

Think about it this way. The state of Washington isn't responsible for premium subsidies, the federal government is. They're not at risk of losing money. The federal government wants to get people covered, and realizes that the most "at-risk" population that needs coverage the most often lacks paperwork. And they primarily sell plans that cover in state services only (except in an emergency). There just aren't many avenues for fraud here.

You likely don't even need to wait until you're physically present in your new permanent address. Apply the minute you have booked a destination address in your final county, even if it's just a temporary address.
« Last Edit: June 05, 2021, 09:40:23 PM by Paul der Krake »

jim555

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Re: ACA sign up timing, Giving notice, moving cross country...etc.
« Reply #7 on: June 07, 2021, 10:49:20 AM »
I'm wondering if I should FIRE a few month early if possible.
I could sign up on the Federal exchange (FL doesn't have it's own website) and then make my trip in early April.
I'd be able to sign up for the Federal exchange before I quit.  I'd have time to make withdrawals on a monthly basis just to show my income and I'd be able to move early enough in the month to give me more time to get signed up in WA.
You don't need to show monthly income, for ACA subsidies it is based on estimated calendar year income. 

Paul der Krake

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Re: ACA sign up timing, Giving notice, moving cross country...etc.
« Reply #8 on: June 07, 2021, 03:34:06 PM »
You're overthinking this.

You don't need to provide proof of income upfront. Like I said, they'll put you in a policy first and ask questions later. In my case, I went from 300k+ of income in 2019 to 30k in 2020. They sent me a letter saying "hey are you sure you didn't fat-finger something on your application", I responded with "yeah I'm sure I don't work lol", but you know, in a professional tone, and that was that.

Paul der Krake

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Re: ACA sign up timing, Giving notice, moving cross country...etc.
« Reply #9 on: June 07, 2021, 04:05:20 PM »
You're overthinking this.

You don't need to provide proof of income upfront. Like I said, they'll put you in a policy first and ask questions later. In my case, I went from 300k+ of income in 2019 to 30k in 2020. They sent me a letter saying "hey are you sure you didn't fat-finger something on your application", I responded with "yeah I'm sure I don't work lol", but you know, in a professional tone, and that was that.

Actually, their website specifically says they ask for proof of income upfront.
Where do you see this? Looking on the WA exchange, I'm reading:

Quote
In some cases, Washington Healthplanfinder needs additional information about your household so you can enroll in coverage. This is called being “conditionally eligible” and it happens when the systems that check your application can’t confirm some of your information.

If you’re conditionally eligible and don’t submit documents before the deadline, you and others in your household could lose your health insurance or the amount of financial help you’re getting could change.
https://www.wahbexchange.org/new-customers/application-quick-tips/how-to-submit-documents/

Which is consistent with what I meant by "enroll first, ask questions later". They also mention that there is even a form you can use to explain that your income is going to be lower than it has been in the past but you don't quite have the docs to prove it yet:

https://www.wahbexchange.org/wp-content/uploads/2013/05/HBE_NC_161219_Exception_To_Eligibility_Income_Form.pdf

In that big free form box, you will write something along the lines of:

"I, Nemesis, have just left my job and moved to Fantastic County, Washington. I plan to live off capital gains/dividends/whatever in 2022. I have estimated, to the best of my knowledge, that my total household income in 2022 will be $XX,XXX. I know what I'm doing, promise."

All of this will be reconciled in the spring of 2023 anyway. You are entitled to these credits, but they just want to make sure you're not doing something stupid and then blame them at tax time.

jim555

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Re: ACA sign up timing, Giving notice, moving cross country...etc.
« Reply #10 on: June 07, 2021, 06:02:17 PM »
I was never asked for proof, I'm assuming they can do data matching or something.

 

Wow, a phone plan for fifteen bucks!