I believe this is what has happened to my husband. You begin to wonder if they are refusing tax credits saying people are supposedly eligible for Medicaid, when they really aren’t eligible for Medicaid, so that hopefully people will just accept it and pay full price, so they have less subsidies. We have had an appeal in for over a month and are getting nowhere with it. 8 more business days to meet the deadline for getting him January 1 coverage, and no confidence the government will make that happen.
Myself, if I were speaking to a ‘Navigator’ and he/she told me I was eligible for Medicaid, I’d ask for it in writing and with a complete signature. Elsewise, I’d assume they don’t know what the hell they are doing.