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I was enrolled in ACA when I was only receiving disability from social security (beginning in January).
At the end of the year, I FINALLY received the retro pay I was due and my retirement (in October).
I contacted healthcare.gov immediately. I was given retroactive healthcare from before the time I enrolled in ACA and asked that they submit all claims to them since I had been retroactively charged those premiums. They refused and stated that even though the money I received was only partially for the time I was covered by ACA, the entire amount would count toward my income that year and I'd end up owing over 17,000. I only make 45,000 a year now, so I'm not well off (that's for a family of 2). Due to a bad hurricane, I had to move almost immediately and spend most of the retro pay I received on a new home.
When I applied for Obamacare, I was only making $21,000. I received wages for my retirement for almost 18 months. I had no idea when (or if) I would ever be approved for retirement.
If anyone has any advice, I'd be very appreciative.