My wife lost her portion of our marketplace healthcare plan despite what we were told
So this morning my wife and I got our healthcare plan through the Maine marketplace for 2025 and 2026. I signed up the both of us with one account via coverme.gov although I have a silver plan and she had a bronze plan. I'm unclear if this is intentional or something I did but we have separate accounts that are also separately paid. Even though I control the coverme account and we're both on it, our actual insurance seems to be separate. We're in a period of financial problems and one of the things we did was take our insurance off of auto-pay. Possibly of importance but I am unemployed applying for disability and have a APTC on the account for my insurance portion. Also not sure if this matters but it is an insurance company that specifically covers New England states (not sure if I'm supposed to/allowed to name names or not)
Earlier this month my wife called in about being behind and what the grace period was. She was told that the grace period was 3 month/90 days and that since she was only in her first 30 days, she should be fine. Since I have a settlement payment on the horizon, she decided to at least pay the last month's premium but crucially made a slight mistake and underpayed her monthly premium by $2.14. We found out it was a mistake and that "partial payments" don't count at all because she got an email that her insurance was cancelled (or she logged into her account and saw it. I'm not 100% sure and she's currently at work). We called to see what happened and was told by the representative that she only had a 30 day grace period, not a 90 day period. We submitted a payment for the missing two dollars but since the coverage was already cancelled paying the balance wouldn't do anything to reinstate the coverage. She also had one unread message but it couldn't be opened and just said she no longer had permission to view it, even though she could view any and all of her previous messages. My only thought here is that the account being linked to me or my coverme account flagged it for the ATCP which gives a 90 day grace period instead of the usual 30 day one.
Is there anything we can do about it? My thought is the call lines are recorded so they should still have record of her previous call, could that be used to re-activate their account as long as we pay the balance due? I don't think losing insurance can be used as a special event for signing up for a new package. Worst case scenario we cross our fingers she stays healthy and just sign up again during open enrollment but I'd like to try and keep her coverage if we can. Secondary to that, her employer doesn't offer health insurance itself but they do give their employees extra pay specifically for insurance coverage. I don't remember exactly how it's worded but its basically like a grant or bonus in place of offering full health coverage since the company is a smaller local business and isn't legally required to offer insurance itself. Thanks!
As an aside, it feels perfectly fitting for the American insurance industry to cancel coverage over literally two dollars though. I understand that it isn't the amount that matter for something like this but two dollars feels like such a kick in the pants