Sep Question

[OregonDave]

Apply with whom? In TN, you are directed to the marketplace to my knowledge for your initial application. It may be possible to apply in person I suppose, but I don't deal with that so I wouldn't know. If you make too much, your application is never sent to the state medicaid office from healthcare.gov, there is no record of a medicaid (TNcare) denial.

Saying that you have been denied when medicaid never got an application from you is playing with fire.

Now, I have had people whose determination letter stated that they were most likely eligible for medicaid/TNcare (so they couldn't purchase from exchange at that time), then later receive a letter denying medicaid/TNcare. In that case, they could truthfully answer they had been denied Medicaid and get the SEP for marketplace coverage.

I see your point, this would likely only work in states like Oregon, or possibly just Oregon, where Medicaid is administrated by the state and still accepting applications separate from the marketplace.