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View Diary: A message from the Health Insurers of America (109 comments)

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  •  You absolutely have to include financial info... (0+ / 0-)

    You give them your name and SS number first, then your IRS form pops up on their screen.  Before you can see what you may or may not qualify for coverage-wise, you get a spot-check real-time IRS audit.  First they check your 1040, your credit score and your citizenship.  If you're not a legal immigrant you may be in trouble, and if you're not a citizen you do not qualify.  If your reported income does not jive with your credit score then they go into your credit cared and bank records just to make sure no one gets access to any help with health coverage they do not deserve.  That's why it's so hard for the web site to co-ordinate the information.

    •  Perhaps you've been on a state marketplace site (1+ / 0-)
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      rather than the Federal one.  I successfully made it to the 'shop for plans' stage without putting any financial info in at all.

    •  no they don't (1+ / 0-)
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      go into credit card and bank records.  And they aren't checking your credit score.  Yes they verify your identity with Experian but they are only veryifying if you have a credit history in the name your provide. If they can't verify a credit history then you have to upload other documents.  They most certainly aren't checking your bank records because they'd have to be connecting to banks and they aren't doing that.  And no IRS form pops up on their screen, it's all done behind the scenes.

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