HealthCare.gov exchange system managers are trying to identify exchange plan premium tax credit users who also have Medicaid coverage, or also have coverage through the Children’s Health Insurance Program (CHIP).
A consumer who has Medicaid or CHIP coverage that qualifies as minimum essential coverage (MEC) is not supposed to use the Patient Protection and Affordable Care Act (PPACA) premium tax credits to pay for exchange coverage, officials at the Centers for Medicare & Medicaid Services (CMS) say in a memo aimed at state health agency officials.
The data matching program could affect agents and brokers who have some exchange plan with very low income levels, or producers who volunteer to help navigators and or public health programs iron out low-income consumers’ health insurance problems.
HealthCare.gov itself does not yet have the tools it needs to cut off the consumers’ access to the premium tax credits, CMS officials say.
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The consumers themselves will have to talk to a state exchange or health insurer to end use of the exchange plan coverage and the exchange plan premium tax credit. Consumers can cancel their exchange coverage through HealthCare.gov or by calling the HealthCare.gov call center.