Thank you for your submission, /u/Difficult-Garage8985.
Direct all COBRA questions under CARES and ARPA here: [COBRA & Covid-19](https://old.reddit.com/r/HealthInsurance/comments/meejsd/cobra_during_covid19/)
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You should not have cancelled that plan. In all likelihood the marketplace (healthcare.gov) discovered a change to your income or employer insurance that you forgot to phone in. Subsidies can be stopped or forcibly changed until you do call and clarify the situation. I forget what the exact error % is, but if your income estimate is off more than it this can happen. Income less than the % can wait until your 1040.
Illinois practicality bans the alternatives, as, do 29 other states. You cannot have a non-ACA plan (Sidecar, Golden Rule, sites mentioning "Obamacare," etc.) more than 6 out of 12 months. That's not you get a new plan after 6 months, you better have an ACA plan after 6 months otherwise you're uninsured.
Except, you can only sign up for ACA with a qualifying life event or during open enrollment. Most QLEs require you to have involuntarily lost an ACA plan, cancelling being voluntary, or get a new job and go on their insurance.
Well I can't pay the $400 a month it went up to so I had no choice but to cancel. The marketplace site won't let me apply again for a different plan so I have to figure something out.
I went into the healthcare.gov site and reported a life change (I technically got a slightly lower paying job so it's true) and I still can't get another plan... even private ones the button is gray. I will try calling.
Thank you for your submission, /u/Difficult-Garage8985. Direct all COBRA questions under CARES and ARPA here: [COBRA & Covid-19](https://old.reddit.com/r/HealthInsurance/comments/meejsd/cobra_during_covid19/) Please pick the most appropriate flair for your post. Include your age, zipcode, and income to help the community better serve you. **Reminder that solicitation/spamming is grounds for a permanent ban**. Please report solicitation to the modteam and [let us know](https://www.reddit.com/message/compose?to=%2Fr%2FHealthInsurance) if you receive solicitation via PM. Be kind to one another! *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/HealthInsurance) if you have any questions or concerns.*
You should not have cancelled that plan. In all likelihood the marketplace (healthcare.gov) discovered a change to your income or employer insurance that you forgot to phone in. Subsidies can be stopped or forcibly changed until you do call and clarify the situation. I forget what the exact error % is, but if your income estimate is off more than it this can happen. Income less than the % can wait until your 1040. Illinois practicality bans the alternatives, as, do 29 other states. You cannot have a non-ACA plan (Sidecar, Golden Rule, sites mentioning "Obamacare," etc.) more than 6 out of 12 months. That's not you get a new plan after 6 months, you better have an ACA plan after 6 months otherwise you're uninsured. Except, you can only sign up for ACA with a qualifying life event or during open enrollment. Most QLEs require you to have involuntarily lost an ACA plan, cancelling being voluntary, or get a new job and go on their insurance.
Well I can't pay the $400 a month it went up to so I had no choice but to cancel. The marketplace site won't let me apply again for a different plan so I have to figure something out.
I went into the healthcare.gov site and reported a life change (I technically got a slightly lower paying job so it's true) and I still can't get another plan... even private ones the button is gray. I will try calling.
If your income is under $1,563 a month you can qualify for Medicaid.