Hello /r/personalfinance
For the past few weeks I've been slowly losing my mind as I bounce back and forth from the IRS and Healthcare Marketplace trying to clear up my health insurance status. To give you all a little background information, I had insurance through the Healthcare Marketplace in 2015 but for 2016 I received heath insurance through my employer. Throughout the course of 2016 I would receive random mailings from the Marketplace telling me my application was not completed and that I would lose coverage. After receiving these I would call and spend an hour or two on the phone with them attempting explain that I had coverage through my employer and that I would like for them to cancel / remove / reject / whatever any application they had on file for 2016 (I never filled one out, I assume they just carry over). I was assured numerous that the issue was resolved but alas it was not.
Just yesterday I finally received the 1095A form (after my wife pleaded with them to send one) and the form states that we, as a family, had insurance through the Healthcare Marketplace for 2016. I never paid a single cent into any plan through the Marketplace and, as I previously mentioned, was assured that any policy I had with them was canceled. I spent some time on the phone with the Healthcare Marketplace yesterday (was transferred 4 times) only to be told that a case worker would review my file and send me their results in the next 30 days. For obvious reasons (the IRS requested that I file an extension so I'm going through that as well), this process is taking up an enormous amount of our time, taking us away from work and our children, for what appears, to us at least, to be something that could so easily be resolved.
As for the IRS, its incredibly hard to get someone on the phone and when I do, they could care less. I've offered to submit proof of insurance through my employer but all they seem to care about is the incorrect 1095A through the Marketplace.
I don't have the money to go and get some sort of tax attorney to review this for me so I'm turning to you all in the hopes that you can lend me some advise.
So, have any of you experienced the same thing? Can any of you offer some advise on what steps I could take to get this resolved?
Thanks in advance for all opinions and advise offered!
Submitted May 02, 2017 at 11:20AM by rabbithole http://ift.tt/2psB4W1
