I need help with an ACA issue, please read below
A relative of mine whose enrollment I personally proceeded with the ACA has a big problem with her employer. She couldn't afford her employer health insurance of $478 a month, she obtained a $72/month through the ACA. During the enrollment process the ACA agent emphasized naturally that I cancel the employer’s coverage. Once the ACA coverage became effective on March 1st to cancel the employer coverage I faxed the details to the company as an HR representative instructed. But in April My relative realized that the same coverage amount of $478 was still taken out of her paycheck. She called HR and they asked her to just show up with her new ID card in order to make a copy and everything will be cancelled. She went to the office with her card only to be told after they examined it that they weren’t familiar with any ACA and that they couldn't proceed with the cancellation due to IRS Law that forbade them to cancel any health coverage in the middle of the year except during open enrollment because of the pre-taxed health benefit system.
Can any of you explain it to me?
I called IRS they said they had no such law. IRS isn't even set up to provide me with a letter to allow my relative’s company to proceed with the cancellation. They only provide automated information of the new health law and for any more information I was directed to the healthcare.gov. I called ACA, an agent claimed that anyone should be able to cancel at anytime, but they wouldn't be able to help me with the company.
Please tell me what I can do? Is it real that cancellation is impossible before open enrollment in December as the company claim? Is the company messing with me and my relative since the company is in a state (FL) which has been sabotaging enrollment effort? What can I do?