What are my options as far as not paying for the months I didn’t have coverage?
***Pretty much none. If you don’t pay, you won’t be able to get coverage till next Open Enrollment as you haven’t mentioned anything that would qualify you for special enrollment. Check out our page on temporary plans to tide you over till then.
My payments [subsidy – APTC Advance Premium Tax Credit] changed this year because my income is less than last year.
***Next time try the complementary agent support and have someone experienced like us help you with these problems and hopefully let you know in January. We only get paid if you appoint us. Did Covered CA or Health Net give you an explanation as detailed as this page, without waiting on hold?
I’ve been told by Covered CA I will probably be reinstated but I will have to back pay for the months I didn’t have coverage (Feb., March, April, May, and maybe June).
***As soon as you prove that your payment was $208, you did have coverage. Can Health Net prove they sent you a cancellation Notice in January?
45 CFR 156.270 (d) Grace period for recipients of advance payments of the premium tax credit. A QHP issuer must provide a grace period of three consecutive months if an enrollee receiving advance payments of the premium tax credit has previously paid at least one full month’s premium during the benefit year.
If I don’t have coverage are there any other problems besides the fee [Mandate Penalty 2.5% of Income] at the end of the year for not having health insurance for those months..
***Are you OK with paying bills out of future earnings or losing your home and assets and bankruptcy if you have a large unexpected medical problem?
Scroll down for more FAQ’s or to ask a question.
Resources & Links
See our page on – was the cancellation legal?
Right to Appeal - if claim denied
- VIDEO There are ways to get money from your health insurance company even after they denied your initial claim. Here’s what to do if your health insurance isn't covering your best interests
Small Claims Court Procedures & Practices – including training for judges
California Small Claims – Court Site – Self Help
Department of Consumer Affairs on Small Claims Court
Legal Aid Society of Orange County, CA
Small Claims Adviser Los Angeles 213.974.9759
Small Claim Court Study Guide for temporary – pro tem judges – highly likely you might have an attorney whose volunteering to be a Judge for the day.
If you have a claim for more than the Small Claims Limit, you can sue, but you waive the amount over the limit.