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2-STM is an option, but good luck finding a major medical plan for a month. You can always purchase an individual plan off exchange thanks to the SEP. You don't have a ton of options unfortunately.
My advice? Get the guy in medicaid ASAP.
Appreciate the answers, Ray.
2) Priority Health here in MI offers a health plan called "My Priority Short Term". You can get coverage from 1 to 6 months. It's not on Exchange, or considered meeting the ACA rules (e.g. 10 EHB's) as far as I know. It does have underwriting, but it looks like he'll pass all the questions. Premiums are about 25% of what they would be with a non-subsidized ACA plan, so it'd be a good deal for him.
The healthcare.gov rep said that his case got turned over to Medicaid today, and said it could take up to 30 days for a determination. I don't know if I (or my client) can do anything to expedite things.
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This is happening repeatedly even with higher income. Happened to me yesterday with a client. See my other posts in other thread.
Best to re-do the app, change income by $10, and you'll get a new determination if their income is above medicaid levels. Did that, but still had problems as account is showing now inactive even though we submitted app with HC.gov rep.
Ray, what should happen, and what is happening, are two different things when dealing with the federal exchange.
So, let me see if I understand this right. Income above 400% of FPL gets no subsidy. Income between 133% and 400% of FPL gets a subsidy, which increases the lower the income is...until income under 133% again gets no subsidy, but qualifies them for Medicaid. So it sounds like it's either Medicaid, or get their own off Exchange plan, right?
I'm very reluctant now to increase their income back to ~$30k or so on the app, because if they do qualify for Medicaid (almost certainly will with income currently under $10k) and they aren't enrolled because of overestimating their income and getting a subsidy as a result, I wouldn't want to risk them having to owe all that subsidy money back at the end of the year.