An exchange must offer a pre-signup check from August 1
What the document says“Such term shall not include any plan enrolled in through an Exchange, unless such Exchange provides a process for pre-enrollment verification through which any applicant may, beginning not later than August 1, verify with the Exchange the applicant's household income and eligibility for enrollment in such plan for plan years beginning in the subsequent year.”
The section adds a new clause to section 36B(c)(3)(A) of the Internal Revenue Code of 1986 so that a plan bought through an Exchange does not count unless the Exchange offers a process, open from August 1 at the latest, by which any applicant may verify household income and eligibility for the next plan year. It also bars a month where the Exchange fails a named filing requirement in title 45 of the Code of Federal Regulations. The amendments apply to taxable years beginning after December 31, 2027.
What the document actually says“Such term shall not include any plan enrolled in through an Exchange, unless such Exchange provides a process for pre-enrollment verification through which any applicant may, beginning not later than August 1, verify with the Exchange the applicant's household income and eligibility for enrollment in such plan for plan years beginning in the subsequent year.”
A plan does not count unless the exchange offers a check before signup. That must be open by August 1 at the latest.
The applicant may check income and eligibility. It covers the plan year starting the next year. The changes start with tax years after 2027.
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