I had my health insurance through the Health Care Marketplace during 2014, since I had a seasonal job from January thru mid-April, then was unemployed mid-April through mid-November. I could have had employer paid insurance for December, but I had already paid my December premium and there was no way to cancel my December coverage and get my money back. So I had my employer coverage start on 1/1/2015 and called the marketplace in December to make sure that my policy was cancelled for 2015.

Despite the cancellation, I kept on receiving bills from the insurer for the first several months of the year. There was nothing the insurer could do about it; the cancellation had to come through the marketplace. After several phone calls, I finally got them to do an "escalation," and I received notice in May that the policy had been cancelled effecteive January 1.

Imagine my surprise then when I received a 1095-A form indicating that not only had I had insurance through the marketplace all year in 2015, but that I had also supposedly received a Premium Tax Credit (subsidy) for it (which I *had* had during 2014). If it were just the coverage, it wouldn't have been a problem, but the credit would mean extra taxes on my return for a benefit I never received.

So I called in mid-February when I discovered the problem, received assurance of another "escalation" and was told to expect a corrected 1095-A within 30 days. It never arrived. I finally had to call again, spoke to someone one level higher in the hierarchy, and found that, even though they had documentation in their files of all of the above, they had not yet started the process that would result in my receiving a corrected form. I received yet ANOTHER escalation, and the 30-day clock started all over again, although this person indicated that it would probably be less than 30 days. I hope so, since I would love to file my taxes before the April 18th deadline, rather than have to file an extension. In the meantime, my tax return sits there waiting to go, and my two thousand dollar refund remains unclaimed.

I will be really glad when I am done with the Health Care Marketplace for good!