Prompt action is essential to restore your eligibility if you've lost your Advance Premium Tax Credit (APTC) due to Failure to File and Reconcile (FTR) status. FTR occurs when Marketplace enrollees receiving APTC fail to file their federal income tax returns and reconcile their tax credits. The Centers for Medicare and Medicaid Services (CMS) will conduct an FTR Recheck in the summer of 2025 to verify tax filing compliance using IRS data. Enrollees with a two-year FTR status risk losing APTC the month following the final verification. Here’s how you can regain your APTC and how Medisure Agency can assist you through the process:

Steps to Regain APTC

1. File an Appeal if APTC Was Ended Incorrectly If you believe your APTC was terminated in error, you can appeal the decision to restore your eligibility for the current coverage year.
   • For the Federally-facilitated Marketplace, submit an appeal to the Marketplace Appeals Center. Refer to the official CMS resources for detailed instructions.
   • For State-based Exchanges (SBEs), file an appeal with your state’s appeals entity. Visit https://www.healthcare.gov/marketplace-in-your-state/ to locate your SBE’s contact information.
   • Medisure Agency’s Support: Our experienced team at Medisure Agency can guide you through the appeals process, ensuring your documentation is complete and submitted correctly. Visit http://medisure.agency to schedule a consultation.
2. File Taxes and Reconcile APTC To resolve your FTR status, promptly file your federal income tax return and reconcile your APTC for the tax years specified in the FTR notice you received. Visit https://www.irs.gov/affordable-care-act/individuals-and-families/the-premium-tax-credit-the-basics for IRS guidance on reconciliation.
   • Medisure Agency’s Support: We provide personalized assistance to help you understand tax filing requirements and connect you with trusted tax professionals if needed. Contact us at http://medisure.agency for tailored support.
3. Re-enroll or Select a New Marketplace Plan Once your FTR status is resolved, you may be eligible for a Special Enrollment Period (SEP) to re-enroll in your current plan or choose a new Marketplace plan with APTC.
   • Medisure Agency’s Support: Our agents specialize in navigating Marketplace enrollment. We’ll help you compare plans, confirm your SEP eligibility, and ensure seamless re-enrollment. Reach out at http://medisure.agency to get started.

How Medisure Agency Can Help

At Medisure Agency, we’re dedicated to simplifying the complexities of Marketplace coverage and FTR resolution. Our services include:

• Explaining FTR Notices: We break down the details of your FTR notice, ensuring you understand the steps required to maintain or regain APTC.
• Tax Filing Guidance: We offer resources and referrals to help you accurately file and reconcile your taxes.
• Plan Selection and Enrollment: Our team assists with choosing the right Marketplace plan during an SEP, tailored to your healthcare and budget needs.
• Appeals Support: If your APTC was ended incorrectly, we provide step-by-step guidance to file an appeal and advocate for your coverage.

For personalized assistance, visit http://medisure.agency to connect with our expert team today.

Additional Resources

• CMS Failure to File and Reconcile (FTR) Operations FAQ
• How to Appeal a Marketplace Decision
• IRS Premium Tax Credit Basics: https://www.irs.gov/affordable-care-act/individuals-and-families/the-premium-tax-credit-the-basics
• State-based Exchange Information: https://www.healthcare.gov/marketplace-in-your-state/

Take action now to resolve your FTR status and restore your APTC. Medisure Agency is here to support you every step of the way—visit http://medisure.agency for expert help.