Question: We signed up on 1/14/13. However, under the Eligibility tab, we’re told we’re only conditionally eligible for APTC (Advance Premium Tax Credit) and CSR (Cost Sharing Reduction), pending submission of documents verifying income eligibility. We’ve both been given until April 14 to submit the relevant documents. (1) Do we count as having applied in time for Jan 15 deadline for coverage beginning Feb 1st? (2) Will we have to pay the full premium without the APTC until we are no longer “conditional”?

Answer: While conditionally eligible you enjoy the full benefits of your coverage, including tax credits and cost-sharing reductions. If your application was completed by the application deadline (the 15th of the month), your coverage will be effective on the first of the following month.