Q: I paid an insurance agent to help me with medical insurance.
I received notice that my medical insurance premiums were going to almost double for 2018 even though I had no claims. Hired an insurance agent to help find affordable insurance. She informed us of gov assisted program to help pay insurance and asked us of our income of 2017 which was way lower than normal because of the business we are in and the 2016 fire in Gatlinburg. We qualified for the assistance based on 2017 income. She failed to inform us that we would have to pay it back on 2018 taxes if our income went over a certain level. Had she told us this we would have told her immediately that our income would rebound and we would not have agreed to sign up for the insurance. Now we have to pay $26,000 back to the IRS which is was totally unexpected. Does she (the insurance agent) have any liability for not explaining this to us better?
A:
This is something a Tennessee attorney could answer best because insurance is generally governed by state law. But your post remains open for three weeks. As a general matter, it's difficult to say without seeing all the paperwork, particularly the inclusion of provisions outlining the nature of the coverage and it's income-based qualification parameters. As a starting point, you could contact a Tennessee attorney and arrange a consult to review the matter. Good luck
Tim Akpinar
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