Desperately need marketplace help

Tax extension deadline looming. Writing this out for my SIL since she needs help and I have zero knowledge on these topics. Hopefully I get the details correct. In March 2021 she moved from MT to TX. She had marketplace insurance in MT prior to moving but cancelled it when she arrived in TX because she got a job that provided health benefits. Unbeknownst to her, the marketplace plan “automatically” kicked back in and re-enrolled her the next year (2022) and she was never made aware because she hadn’t updated her address with them. It never crossed her mind she needed to because she had cancelled it! When 2022 taxes were due in April she finds out she owes $3k for the advanced premium tax credit (APTC) for insurance she never even knew she had. She has called to try to get it removed because it was obviously a mistake, and has gotten an extension on her tax filing but only has a few weeks left. Everywhere she turns she is basically told “too bad, you owe the $”. Can this really be? Can she be charged for a policy she didn’t know she had and never paid into? Who can we talk to to get this taken care of? She didn’t even live in the state providing the marketplace insurance at the time!! Hope this makes sense. I can clarify any info if needed.

https://ift.tt/BrDSMgb Submitted September 28, 2023 at 10:27PM by Macklux https://ift.tt/3KeahuO