I am a veteran rated at 100% disability and both of us were unemployed for the duration of 2021. The VA takes care of my health coverage but my wife was not approved for the VA coverage until August 2021. We felt compelled to get her individual coverage to avoid being penalized by the government at the end of the year.
Unfortunately, due to my poor mental health status and our general lack of knowledge and understanding, we got individual health coverage for my wife instead of going to the marketplace. I have recently learned that we should have gone to the official marketplace website instead because we could have avoided paying approximately 3K out of pocket for insurance premiums in 2021. We didn’t know of this mistake until we got 1095-B and not the 1095-A that would be applicable to get the reimbursement. Is there anything we can do?
