MD – only current income (unemployment) is being accounted for in application, not including what I made this year when I was employed – is this right???

Laid off, went on cobra for two months, now switching to marketplace plan.

I completed the application through Maryland health connection. I had asked for help through the chat person, regarding 2025 yearly income estimate, they told me to include both what I made this year when employed and my unemployment income; given that, it said, I qualified for private plan with assistance, not Medicaid. I signed up for Kaiser for the month of June and paid the premium.

But now today it wouldn’t allow me to upload any documents. So I called back in today and call rep said the chat rep gave me the wrong information supposedly, and the 2025 income estimate is only supposedly supposed to include income from this month a.k.a. just unemployment income. With that then I qualify for Medicaid and private plan with no assistance, but I don’t trust that that’s true.

I need need need health coverage for this month. I can’t see how it’s possible that eligibility for Medicaid does not include what I’ve already made this year. And I can’t handle having to redo this shit again if the call rep was wrong and actually I don’t qualify for Medicaid.

Please help me understand 🥲