Question regarding a Medica policy through the healthcare marketplace
I purchased a policy through the healthcare marketplace to continue my healthcare coverage when my COBRA plan expired in November of 2022. I chose NOT to take the govt subsidy to help pay for it, so I paid the entire bill of $700+ for November and December of 2022. This plan was a catastrophic plan, I even purchased it while being helped by a representative of either healthcare.gov (HCG) or Medica, I do not remember which.
Forward to this year, while getting my tax info together for TY2022, my accountant asks for the 1095 form from the HCG policy. I tell him I’ll get with them and find out. This lead to an idiot loop of me calling Medica, they tell me to call HCG, then HCG telling me it’s on Medica to provide it, etc. This happened twice before I put my foot down and called bullshit on the whole deal. I decide to call back HCG, and the rep I contacted understood what was happening, she says “OH,………..you had a catastrophic plan, well you have to get with Medica and ask them for a 1095B form, not the 1095A that everyone with a regular policy gets”. So I get back with Medica, armed with this information, AND STILL have to argue wtih the rep to explain that what I need does not come from HCG, it does, in fact, come from Medica. The rep finally sees the light and says “OK, I know what you’re talking about and we’ll email that to you by this Friday” I thank them for ending the nightmare and hangup, thinking this will all go to plan.
Since I’m still writing, you’ve guessed that it never came, that was 2 weeks ago today, so I call the HCG line and tell the rep what I need and that I realize it’s not something they provide can they help. The rep says she can listen in on a conference call only if I set it up, to which I agree. We do the call, speak with 2 different reps at Medica, ARGUE with both to explain once again that it is NOT HCG that issues the 1095B. Finally, after nearly an hour on the call with Medica they tell me it’s not a 1095B, that it’s actually an A01 form that shows that I was insured during those two months. I asked them several times if this would allow me to prove that I waived the payment subsidies to claim them as a tax credit for TY2022, the rep from Medica said it would do that, so I thanked that rep and the HCG rep who had to jump in a couple of times to redirect the Medica rep for wrong information the rep was giving me, and I’m off the call, finally.
I know this is HORRIBLY long, but I have a couple of questions.
will this A01 form really be what I need to satisfy my tax documentation to claim my tax credits?
What is the big deal that I chose a “catastrophic” plan? How does that throw everything into this situation where I’m in this taxland limbo?
TLDR Bought healthcare.gov policy through Medica for Nov and Dec 2022, found out it was a catastrophic policy instead of a Bronze, Silver, or Gold policy, and because of this, I can’t get a 1095 form to show I waived the subsidized payments for those 2 months. Now I want to know why a Catastrophic plan is any different.