My husband went on Medicare part B in 2013. He's always been covered under my employer sponsored plan. Now, 12 years later, they are making him take Part A and they are charging me 100% penalty because he "should have gone on Part A in 2013". In order to remove the penalty, I have to provide proof of his coverage all these years, going back to 2013. My question is, if the 1095-B didn't go into effect until 2015, shouldn't 2013 & 2014 be grandfathered? My employer back then has gone out of business and these insurance companies have that automated system, that no matter how hard I tried, I can't get through to a person, because I am not a current member. What can I do?
