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Allen, if they are paying the full premium there isn't a need to do anything, it will all get 'trued-up' when they file their taxes-if they have the same income they stated there will be a pretty large refund. If you put them Off Exchange they won't get that back.
Blue Cross rep services and the Blue Cross website has both plans listed as "Terminated", FLM2. That's what worries me. I understand how the APTC reconciliation process works for ACTIVE plans. But these are terminated as of 4/30/2015. The clients don't know this. They're getting billed full premium and paying it each month. There's a short in the wire somewhere between BCBS-IL and the Marketplace.