So, you have 2 choices Russell.
1. let them go to medicaid, be rejected, and be without coverage until you get the answer that you know is going to come. Then, you may find their is no SEP, as no insurance was lost if it goes past 60 days.
2. Call up HC.gov with client, change the income by $10 up or down, and get a new determination, and fix the problem.
Then the 2nd game will begin, and that's banking on the fed to send the file with all people on the app, effective date, payment, APTC being sent, and agent info included. Ain't happenin' with my recent clients.
We are stuck on option 1 now. I spent 2 hours on the phone with a supervisor in the "life change" department (whatever it's called) trying to make sense of what was happening. After repeating the situation at least 3 times, she finally realized it was not working. All said, she was not very helpful. She basically said "I have no idea why it's doing what it's doing, but we need to wait for the denial from Medicaid and we can add the child." Marketplace said they would add the child back to date of birth once denied. We will see.
We tried option 2 three times. The first two income increases were the same result (two adults, two youngest sent to Medicaid; 10 yr old and 8 yr old received no subsidy). The third attempt, which put the income just over 250% FPL, resulted in no subsidy for anyone and the premium was $1300+ per month. It's like we have gone back to mid November with how the site is working.