Backdating cancelation date for health insurance marketplace plan (Texas)
Main question: has anyone successfully had this done, and what are the odds of me being able to successfully do this?
Cliff notes version of my situation: last November, I canceled my health insurance marketplace plan effective 11/30/2022. This is because I got a new job whose insurance was effective 12/1. However, I was still automatically re-enrolled in the 2023 health insurance marketplace plan. I am now being billed for several months of premiums (12/2022 through 3/2023) and need to backdate the cancelation so I'm not responsible for insurance I never wanted or needed.
Additional details: At the time I canceled my health insurance marketplace plan, I'm pretty sure there was no other option on the HealthCare DOT gov website for me to cancel a 2023 plan. Also, when I got a marketplace bill for 2023, I read (possibly incorrectly interpreted) something along the lines of "I need to pay on time to keep it active, otherwise it will be canceled". That verbiage, plus the fact that I couldn't find a way to cancel a 2023 plan on the HealthCare DOT gov website, and the fact that I already had confirmation of my marketplace cancelation effective 11/30/2022, led me to ignore that marketplace bill.
Fast forward to today and the health insurance company sends me another bill saying I owe them 4 months' worth of premiums. I called up HealthCare DOT gov and the frontline rep said I never should have been automatically re-enrolled for 2023, and that they would escalate my situation to have the cancelation backdated.
That was 2 weeks ago, so now I'm just curious if others have had a similar situation and what are the chances of this getting resolved in my favor so that I don't have to pay for 4 months' worth of marketplace premiums.
I fully accept I probably goofed somewhere. I was in the middle of a move and other life circumstances so some stuff fell through the cracks.
submitted by /u/Adub497
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