I was told today by Coventry that once the policy is picked and subsidies applied a change can not be made until next enrollment. Had a Clint choose a silver plan and then was diagnosed and medications cost $800 a month. Now,they want to change to a gold plan because it would,save them about$400 a month. But Coventry said nope. Can't do it tell next year...
Go over their heads. Move via the exchange portal, not the carrier. If that doesn't work, just term & reapply. Not like they can deny you...
I've moved clients with subsidy already. It's certainly allowed and possible (at least within OEP.) I know it's a different state, but we're all following the same laws.