Agents may have enrolled some consumers in health coverage through HealthCare.gov for 2016 or 2017 without the consumers’ permission, according to officials at the Centers for Medicare and Medicaid Services.
CMS is encouraging health insurers to review policyholder information, and to rescind any unwanted policies issued to consumers as a result of enrollments that appear to have been completed without the consumers’ authorization.
A rescission cancels an insurance policy sales and is supposed to restore both the insurer and the consumer to their original states, as if the policy had never existed.
The drafters of the Affordable Care Act created the public health insurance exchange system to give consumers a web-based system for shopping for health coverage, and to administer the ACA premium tax credity subsidy and cost-sharing reduction subsidy programs.
The U.S. Department of Health and Human Services, the parent of CMS, created HealthCare.gov, to provide exchange plan enrollment and account administration services for residents of states that are unwilling or unable to handle the exchange management tasks themselves.
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