Hooray! I finally got a Healthcare.gov insurance marketplace application all the way to the end -- without getting blocked or having my application prematurely processed.
The celebration comes to a sudden stop as I read the eligibility results. It says "Based on your application, you don't qualify to purchase health coverage through the Marketplace." It also goes on to explain that I don't qualify to tax credits or subsidies, or for Medicaid or CHIP. I directs me to go to community health centers for medical care.
I was not surprised that it said I was not eligible for subsidies, Medicaid, or CHIP. However, I thought nearly anyone could purchase insurance from the Marketplace. It says I do not qualify to purchase insurance from the Marketplace.
The letter said nothing about why I am not eligible.
I then went to the Learn side of the site in search of information on the requirements to purchase insurance from the Marketplace.
I find three requirements for purchasing insurance through the Marketplace: (1) live in the US, (2) be a US citizen, and (3) not be incarcerated. I meet all of these requirements. My granddaughter, for whom I'm trying to purchase insurance, also meets all these requirements. So, why am I not eligible to purchase insurance in the Marketplace?
I called Healthcare.gov customer service and asked this question. They instructed me to download an appeal form and mail in an appeal.
The appeal instructions suggest I consider involving an attorney in filing an appeal. I should not have to hire an attorney to purchase health insurance for my granddaughter.