Part time employee had an ACA marketplace plan with subsidy but received a 1095c

[khow]

What is the name of your state? Mississippi

I've been with a large national company for a long time as a part time employee. They don't offer health insurance to part time employees and haven't for as long as I've been with the company. Therefore to comply with the ACA, I signed up with the Healthcare Marketplace for the past few years and received a subsidy toward my premiums. I've never received a 1095c for prior years. However, this year I received a 1095C with code 1E on line 14 and code 2G on line 16. I'm not sure what this means.

If my company doesn't offer healthcare for part time employees. And if they did, no one within my company ever notified me of the change and that I was eligible for coverage. How can they send a form saying that they retroactively offered me healthcare coverage when they litterally never offered me coverage? I certainly can't afford to pay back all that subsidy, it's almost $7k. I'm not sure what to do. Any help is appreciated.

 

[LdiJ]

What is the name of your state? Mississippi

I've been with a large national company for a long time as a part time employee. They don't offer health insurance to part time employees and haven't for as long as I've been with the company. Therefore to comply with the ACA, I signed up with the Healthcare Marketplace for the past few years and received a subsidy toward my premiums. I've never received a 1095c for prior years. However, this year I received a 1095C with code 1E on line 14 and code 2G on line 16. I'm not sure what this means.

If my company doesn't offer healthcare for part time employees. And if they did, no one within my company ever notified me of the change and that I was eligible for coverage. How can they send a form saying that they retroactively offered me healthcare coverage when they litterally never offered me coverage? I certainly can't afford to pay back all that subsidy, it's almost $7k. I'm not sure what to do. Any help is appreciated.

You are going to want to get in contact with HR to talk to whomever administers your company benefit plans. Those codes do tend to indicate that you were offered unconditional coverage (ie not limited to full time) and at affordable rates, so you need to find out what is going on. It may have been a glitch in their systems one way or another.

 

[khow]

I talked to HR and they told me that it was based on the hours that I worked the prior year (2017). They really couldn't answer any questions and just told me that they offered me coverage and were required to issue a 1095c.

However, my last paycheck dated 12/29/17 had me at 1501 actual hours worked. And my last paycheck dated 12/28/18 had me at 1466 actual hours worked. Both years average out to 28-29 hours a week.

As previously stated, In 10 years I've never been offered health insurance by my company and I've been on an ACA marketplace plan with a subsidy since the law took effect. This is the first time I've received a 1095c. If insurance was available to me for prior years, shouldn't I have received a 1095c for prior years? And If insurance became available to me starting in 2018, shouldn't they have notified me that insurance was available to me prior to the end of 2018? How can they send a 1095c in 2019 saying they offered me coverage retroactively in 2018? Something seems fishy.