I have a client who told me his family of 3 would earn $65K in 2015 and needed to provide documents to the Marketplace. He failed to send them in once, I got him a SEP and reenrolled him and today, after 2 months and numerous emails from him asking me questions about what to submit (I referred him to his tax advisor after explaining things about 5 times) he sends me a tax return with -$42K of Adjusted Gross income. What is freaking wrong with these people? How can some people be this stupid and make it to adulthood (the guy is on Medicare, the policy is for his wife and son)? It just isn't worth it for a $33 a month commission, is it?