health.gov dilemma

[adjusterjack]

My daughter is unemployed (voluntarily), separated going through the divorce process, but not yet divorced.

At healthcare.gov, before even getting to the issue of qualifying for coverage, she was asked "single or married." No other choices. When she checks single, the site cannot identify her. When she checks married, the site asks for her husband's information which she is not going to provide. Consequently, she cannot get past that brick wall to get to the next step.

There is really something effed about that system that doesn't allow a separated person to get health insurance on her own.

What other options does she have?

Is health insurance available via other than health.gov?

Suggestions would be helpful.

 

[Tampa Bay Rep]

If she lives in a state that has its own health insurance marketplace, she should check that specific site. Sometimes state marketplaces have different rules or options that might allow her to enroll as separated.

 

[adjusterjack]

Unfortunately, AZ doesn't have its own marketplace.

 

[Yagents]

Unfortunately, AZ doesn't have its own marketplace.

It's a data matching issue. She needs to put in the exact name that shows on her social security card and number.

The marriage divorce issue becomes an issue if she wants aptc

 

[Jim Wright]

All of this is based on tax status. I understand the emotions of not wanting to enter the husbands information but it's just data that's needed to process. Separated or not, they are still legally married. She can apply for coverage and then when the divorce is final, she can update the application to reflect the divorce and say single.

She also probably needs to consult her tax person to find out how she is going to file for 2024 and what the reported AGI will be. If she goes in and only puts her income and then files jointly, they are going to get hit with a huge repayment for their subsidy.