[john70t]

I have assets on paper(a few properties) but very little income and high overhead expenses.
The joys of property ownership.

A few years ago I went through a round-robin situation where I did not earn enough to even 'qualify' for Obamacare aka Health Insurance Marketplace.
-Legally I could not buy health insurance.-
At tax time, I earned less than $16,500 which unbeknownst to me was the cutoff to automatically being signed up for Michigan Medicare.
So without consent I was signed up for Medicare which I did not want.
I wanted affordable catastrophic health insurance, and I wanted to pay for it.
My understanding also is that the State will eventually go after any assets for medical costs incurred through Medicare.
That sounds entirely like a blank check situation which I don't want to pass along to others...
To add insult, a few months after that Medicaid 'disqualified' me with some unknown code. No other explanation or recourse was provided.
Thus I was left without health insurance.

This last December, I again signed up at the Health Insurance Marketplace dot gov and accidentally clicked through the website with an estimated $17,000 income.
But unbeknownst to me, the poverty cutoff was adjusted above that.
(There wasn't any information provided on the Marketplace website regarding this change.)
So this year I was again automatically signed up for Michigan Medicaid.

I am willing to not claim legal tax deductions in order to qualify for federal insurance subsidies.
It goes against my political grain, but my high taxes have long been subsidizing others and I'd like something back.
In the long run, I can't afford to pay $500+ per month for health insurance.
It's simply not sustainable with my budget.

I went back to the Heathcare dot gov and changed my income to $20,000 to 'qualify' for the fed program.
I don't think paying taxes is a crime...is it?
It had no effect.
Both Michigan Medicaid and Healthcaredotgov kept sending me letters.
(Having two forms of insurance apparently disqualifies someone from the federal subsidy program.)
The Marketplace needed me to send them proof that I had dropped Michigan Medicaid.
They didn't do that directly and apparently the process was not automatic. I had to be the middleman.
In the meantime I paid both my insurance companies every month on time.

Early in the process, I phoned my local Michigan Medicaid adjuster about ten times but it went to voicemail and he did not return calls or email.
It took the Healthcare adjuster making a direct 3-way call to get the Michigan Medicaid adjuster to answer the phone and agree to send me a cancellation letter.
(All the fed website employees I've ever dealt with at Healthcaredotgov were extremely friendly and helpful surprisingly. Top notch.)
A week or two later the letter still hadn't arrived.
Local mail takes 1 or 2 days here.
I drove 30 minutes to the Medicaid building, got a copy of the cancellation, scanned it, and uploaded it to my account at the Healthcaredotgov website per instructions.
My mistake was waiting until the last minute...but I completed all the requirements within the deadlines.

Apparently something went wrong.
I just received a Health Insurance Marketplace letter stating that I am now dropped from their program for "insufficient documentation".
Additionally, I received a new subscriber letter from the insurance company stating that my insurance will begin May 1st.
I've been paying them and dental for the last three months.


(edited for typos but can't fix thread title)