Some consumers with little or no credit history, such as young adults or recent immigrants may have difficulty setting up accounts on healthcare.gov.  That is because the federal Marketplace uses real-time identity proofing techniques to protect consumers from unauthorized access to their personal information and to prevent fraud.

Generally, if the Marketplace hasn’t received the requested information and you didn’t already ask for an extension, the Marketplace will make a determination based on the information it has. Contact the call center or ask a Navigator for help submitting your documentation or request an extension as soon as you can.

If you are enrolled in an ACA-compliant plan, you will have at least 180 days (six months) after being notified of your insurer’s decision to file an internal appeal (with your insurer).

You can request an appeal of any Marketplace decision, including decisions about: Your eligibility to buy coverage in the Marketplace Your eligibility for, or the amount of, premium tax credits or cost sharing reductions (for example, a reduction in your premium tax credit amount) Untimely (late) notice from the Marketplace about a decision To make…