Medicaid and Marketplace Insurance

Hi all, so I’ve (24 F, Texas) been on marketplace insurance since January of this year. I had anticipated income for 2024 from going back to work after having my son, so I stayed with my current insurance plan through marketplace.

I eventually decided to stay home for the time being, but from exhaustion I truly forgot to update on marketplace website. Months go by and I redo my application stating that I will have no income for this year. My son qualifies for Medicaid but I do not. I enroll my son in Medicaid but haven’t had the chance to call to add his pediatrician.

He’s still on the original insurance for the year, as am I, and I’m paying full price since I don’t qualify for tax credit anymore. I’m anticipating I’ll have to pay back for several months that I didn’t update my income.

My questions are: will I have to pay back the full amount? I have no w2 to file with the 1095, wtf do I do? Am I gonna go to jail (seriously, I’m having horrible anxiety over this mess I’ve caused)? Also can my son be on Medicaid and private at the same time? I haven’t used his Medicaid benefits at all because I haven’t been able to call. Thank you! Apologies if this is a jumbled mess, I’m on mobile.

submitted by /u/Visible-Issue3178
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