My income was going to increase in 2022 beyond what would normally make me eligible for CHIP/Medicaid so I went to the Marketplace for health insurance. Without my knowledge, I was automatically renewed in CHIP/Medicaid for 2022 due to the American Rescue Plan( in spite of my higher income). I received no notification that I was renewed for 2022 until I received a new automatic renewal notice later in August of 2022 for renewal in 2023. It was then I found out I had been dual insured during all of 2022 with CHIP/Medicaid as well. I was also enrolled in the Marketplace for all of 2022. The results were that I qualified for Marketplace insurance with a substantial Tax Premium Credit along with notices in the Results page that I didn't qualify for CHIP/Medicaid. I went almost the entire year with dual insurance without knowing it and now I'm told by the Marketplace that I have to pay back all of the Tax Premium Credit since I had dual coverage. There has to be a precedence for this. It was an honest mistake. I never would have paid for Marketplace insurance had I know I was already getting it for free. What recourse do I have? Will the Premium Tax Credit repayment Cap protect me? Thanks for any advice!
