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Information Needed to Apply for Obamacare

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Keep in mind...
  • You will need to supply the marketplace with some personal information about yourself including household size, address, birth date, and employment information
  • In some cases, the marketplace will request that you send them additional documentation
  • If you qualify for a special enrollment period, you may need to submit documentation that attests to your qualifying life event
  • If you do not submit your documents by the required deadline, your marketplace eligibility may change
  • You can apply for marketplace coverage in one of five ways that may require different documentation

What information do I need to fill out a plan on the Marketplace?

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In order to fill out an application on the Healthcare Exchange Marketplace, you will need to have some personal information and documentation on hand. You will need basic information about yourself and your other applicants including name, address, and birth dates.

If you have a social security number, you will also need to provide that. If you are a legal immigrant, you will need to provide documentation to prove your immigration status. Illegal immigrants are not eligible to use the healthcare exchange marketplace.

If a professional, such as an insurance broker or marketplace representative, is helping you fill out your application, you may need to list that on your application. Additionally, you will need to provide your tax filing information and income information, such as your pay stubs and W-2 forms.

You will also need to supply the marketplace with your expected income amount for the next year. If you have a current health insurance plan, you may need to put your plan’s information on your application, as well.

Why did the marketplace ask me for further documentation?

Typically, there are only two reasons why you receive a request for further documentation from the marketplace. If you submitted information relating to your income, household size, or something similar and it did not match the marketplace’s records, they might ask you to clarify the inconsistency with documentation.

If you are applying for a special enrollment period, you may have to submit proof of your qualifying life event. This is the other reason the marketplace may request additional documents.

What is a special enrollment period?

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A special enrollment period allows you to apply for coverage outside of the typical enrollment period between November and January. You might be eligible for a special enrollment period if you experience a qualifying life event including a loss of health insurance, a change in household size such as getting married or having a baby, or a move to another area. Other life events may qualify you for a special enrollment period as well.

How do I send my documents?

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If you are ready to send your documents, you can usually upload them online or send them in the mail. You can log in to your account in order to do this. However, each problem may require you to do different things and send the documents in different ways. Pay close attention to the directions that are included in the notice that was sent to you by the Marketplace.

If your results still say that you are eligible to enroll in a health insurance plan even if you need to submit additional documentation, you can sign up right away. However, if you do not provide the requested documents, you may be dropped from your new insurance plan.

Is there a submission deadline?

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If you need to send additional documents because of an inconsistency in the data that you submitted, you typically have 90 days from the date of your eligibility notice to send them in. If it is a citizenship or immigration problem that you need to resolve, you should have 95 days to send in the documentation.

If you do not send in the information to verify the data you have submitted, your eligibility results will change, because the Marketplace will determine the plans you qualify for based on their own information, not the information you provide. This could affect your ability to get premium tax credits and other cost assistance.

For a special enrollment period, you will typically have less time to send in the documentation. You have 30 days to prove that a qualifying event occurred in your life.

How do I apply for the Health Insurance Marketplace?

There are five ways to apply for a plan through the Health Insurance Marketplace. You can apply online, over the phone by speaking to a marketplace representative, get in-person help from the marketplace, speak to an insurance broker, or fill out an application and mail it in.

Information Needed to Apply for Obamacare

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In order to apply for an insurance plan on the healthcare exchange marketplace, you will need basic personal information such as your name, income, address, birthdate, and social security number. If you are a legal immigrant, you may have to submit documentation to prove your immigration status.

If you applied for a special enrollment period, you may need to send documents that provide evidence of your qualifying life event. In some cases, the marketplace may request that you send them additional documentation.

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