Sat Dec 13, 2014, 01:59 AM
progree (7,599 posts)
Are ACA-compliant plans sold outside the exchanges eligible for subsidies eventually?
My understanding has long been that one has to buy their plan on the appropriate government exchange (healthcare.gov for most states, or the state exchange for states that set up their own state exchange) in order to qualify for the premium subsidy and the out-of-pocket costs subsidy.
(By way of background, I'm in Minnesota, which has a state ACA health insurance exchange called MNSURE at MNSURE.org (don't ask me why its not MNSURE.gov) ) Now I'm being led to believe by a HealthPartners salesperson that all ACA-compliant plans, whether or not they are available on the appropriate exchange, is eligible for the subsidy. He says (if I understood correctly):
So my Truth-o-meter says (a) and (c) are true, but (b) is very questionable -- nothing I've seen on HealthPartners literature (or anywhere else) says anything other than that only plans bought through the government exchange are eligible for tax credits and subsidies. Also he said he hasn't seen the 2015 tax forms yet (sounds like he's giving himself some wiggle-room). (I'd call HealthPartners again, demanding something in writing or to be shown something on their web page that states this, but they aren't open until Monday for questions like these, which is also the deadline for changing plans that will take effect January 1). I would like to look at HealthPartner plans other than those on MNSURE, but am afraid what I'm being told (that I'll get my subsidy after filing taxes) isn't true... Does anyone have some perspective on this issue? Not just in Minnesota but in general -- are ACA compliant plans not sold on the appropriate government exchange eligible for the subsidies after filing taxes? If not, why not? Thanks for any info.
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progree | Dec 2014 | OP |
progree | Dec 2014 | #1 |
Response to progree (Original post)
Sun Dec 14, 2014, 03:01 AM
progree (7,599 posts)
1. There's a couple of replies in the GD Forum, where I cross-posted this
in case anyone is interested. Spoiler alert - I was right to be suspicious, only plans sold on the government exchanges qualify for subsidies, period.
And even the subsidies for plans sold on healthcare.gov -- because it isn't a state exchange -- are in jeopardy in the future depending on how the Supreme Court rules... http://www.democraticunderground.com/10025954953 |