Marketplace Verifications Made Simple
We help you submit the right documents quickly and securely.
When the Health Insurance Marketplace (Healthcare.gov) requests verification documents, it can feel overwhelming. That's where we step in. THI Benefits helps you understand what's needed, gather the right documents, and submit everything securely on your behalf — ensuring you meet deadlines and protect your coverage.
Why Am I Being Asked for Documents?
The Marketplace verifies information to ensure accurate subsidies and eligibility. Here
are the five most common reasons you might receive a verification request:
Income mismatch
The income you listed differs from IRS or Social Security Administration records. The Marketplace needs proof of your actual household income to calculate your premium tax credit accurately.
Citizenship or immigration status
Your citizenship or immigration status couldn't be verified electronically with federal databases (DHS, SSA). You'll need to provide documentation proving your eligibility for Marketplace coverage.
Special Enrollment Period (SEP)
You're enrolling outside of Open Enrollment and must prove you experienced a qualifying life event (like losing other coverage, moving, getting married, or having a baby).
Missing or incorrect information
You may have skipped a required field, entered an incorrect Social Security number, or listed household members inconsistently. The Marketplace needs clarification to process your application.
Identity verification
Your identity couldn't be verified electronically during account creation. You'll need to provide documents showing your name, date of birth, and address to prove you are who you say you are.
Accepted Documents by Verification Type
Each type of verification requires specific supporting documents.
Here's what the Marketplace accepts for each situation:
Income Verification
Proof that your household income matches what you reported on your application.
Accepted Documents include:
Most recent federal tax return (Form 1040)
W-2 or 1099 form
Social Security benefit letter
Pay stubs (last 4 weeks)
Letter from employer on company letterhead
Citizenship / Immigration Status
Documentation proving you are a U.S. citizen or have eligible immigration status.
Accepted Documents include:
U.S. Passport
Certificate of Citizenship
Employment Authorization Document (EAD)
Certificate of Naturalization
Green Card (Permanent Resident Card)
USCIS verification letter
Special Enrollment Period (SEP) Eligibility
Accepted Documents include:
Termination letter from employer health plan
Marriage certificate
Lease or utility bill showing a new address
COBRA election notice
Birth certificate or adoption paperwork
Missing / Incorrect Information
Corrections or clarifications for incomplete or inconsistent application data.
Common issues include:
Missing Social Security number
Household member left off application
Incorrect date of birth or name
Accepted Documents include:
Social Security card
Corrected application screenshot
Birth certificate
IRS letter with household info
Identity Verification
Documents that confirm your identity when electronic verification fails.
Accepted Documents include:
State driver's license
Utility bill or lease with name/address (for address match)
Passport or other government-issued photo ID
Government agency letter with name and date of birth
What Happens If I Don't Submit
My Documents?
Missing a verification deadline can have serious consequences for your coverage and subsidies.
Here's what you need to know:
90-Day Deadline
You typically have 90 days from the date of the verification request to submit your documents.
Premium Tax Credits Removed
If you don't submit documents, your advance premium tax credits may be removed, causing your monthly premium to increase significantly.
Plan Termination
Your health insurance plan could be terminated entirely, leaving you without coverage until the next enrollment period.
Future Coverage Delays
Missing verification deadlines can complicate future applications and may delay your ability to enroll in coverage when you need it.
Don't Risk Losing Your Coverage
THI Benefits helps you meet your deadlines and submit the right documents the first time,
so you can keep your plan and subsidies without the stress.
How THI Benefits Makes It Easy
We've streamlined the verification process so you don't have to navigate it alone.
Here's our simple 5-step approach:
You tell us you've received a verification notice
Contact us as soon as you receive a verification request from Healthcare.gov.
We send you a secure upload link by email
We'll email you a HIPAA-compliant portal link where you can safely upload your documents.
You upload documents to our HIPAA-secure portal
Simply drag and drop your files or take photos of your documents from your phone.
We review and submit your documents directly to the Marketplace
We review your documents and submit them on your behalf.
Watch for any future follow-up requests from the Marketplace
Keep checking your mail for any future communications from the Marketplace asking for follow-up documentation. If you receive another notice asking for additional information, let us know so we can help.
Secure, Simple, and Stress-Free
Our HIPAA-compliant portal ensures your personal documents are protected every step of the way.
We handle the technical details so you can focus on what matters — staying covered.
Need Help or Ready to Submit?
Don't wait until the last minute. Contact us and we'll send you a secure upload link by email.
We're here to guide you through every step and ensure your documents are submitted correctly and on time.