Marketplace Insurance rules

I have been having issues since December regarding my health insurance and as of today, I am not insured.

The gist:

I ended employment with my former job on 1/31/22 and began current employment on 1/2/23. I was informed by former employer that my health coverage would end 1/31/22.

My new employer does not provide health insurance. I applied for health insurance through the marketplace during open enrollment to take effect on 1/1/23.

I didn’t pay my 1st premium because my former employer called to inform me that I did in fact have insurance through 1/31/23.

On 1/25/23 I cancelled my plan with the marketplace because I thought it was illegal to have a marketplace plan and employee plan simultaneously.

On 1/25/23 I also re-enrolled through a special enrollment period through the marketplace with a start date on 2/1/23 with the same plan. I paid for February’s plan on 1/31/23. The marketplace rep said I didn’t owe for January because my coverage never became active.

Fast forward to today and I am still considered a “pre-member” because my health insurance plan wants me to pay for January…aka I don’t have active insurance.

I spoke with a marketplace supervisor and they are now saying that I’m required to pay for January’s coverage because they paid my subsidy to the insurance company when I enrolled initially (despite not paying and cancelling and never having active coverage).

In a moment of frustration I cancelled everting and demanded a refund for the premium I paid. I now don’t have insurance.

So what I’m wondering is:

Do they pay subsidies before a plan becomes active? Can insurance reimburse them for paid subsidies? Is this an actual policy by the marketplace?

Edit: I’m in Georgia

submitted by /u/Courtwarts
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