By skyforbes People of Reddit, I am seeking advice on how to tackle this mess of a situation. To establish some context, my entire family has Medicaid besides me. Additionally, my mother and father has a health marketplace insurance plan with Blue Cross Blue Shield. Currently, they are paying less on the marketplace plan because of a premium tax credit. But marketplace just sent them a notice saying that since my parents have Medicaid, they will no longer be receiving the tax credit. In which case, they would have to pay the full cost of insurance.
Last year, my parents were advised to apply for Medicaid to help cover for the costs of my father's cancer treatment. Thankfully, he's recovered since then. Now, my parents would still like to pay the reduced costs of insurance while also making sure that my brother and sister still have Medicaid. I called the marketplace and I was told that to maintain the premium tax credit, my parents would have to unenroll form the Medicaid program in which I help them did. Their benefits are scheduled to end on August 1st, 2025 and we received a physical copy in the mail stating that. I was told that I could then use that document to upload it to their marketplace application.
Turns out that wasn't enough. I called marketplace again and the agent told me that they needed a letter or statement saying that my parents aren't eligible for Medicaid – not that they're not receiving benefits from it anymore. Keep in mind that only my parents have an insurance plan with Blue Cross while my siblings are under Medicaid. We are trying to make sure that my siblings still have Medicaid while my parents maintain their tax credit for their health insurance plan. I was told to call DCF and figure out how make my parents ineligible for Medicaid but I've called four times in the past two days and my total time on the phone is over 7 hours. I've since updated my father's income on MyACCESS but I am worried that it would affect my siblings' coverage.
Please tell me what I should do in this situation. It's hurting my head and the elevator music over the phone is driving me crazy.
TL:DR need help getting a statement denying my parents' medicaid coverage so that they can maintain their premium tax credit for their health insurance marketplace plan while also making sure that Medicaid coverage for my siblings' isn't affected.