Should a consumer actively update and submit a Plan Year 2025 Marketplace application after receiving a MOEN?

In this scenario, the correct response is that it is not necessary for a consumer to actively update and submit a Plan Year 2025 Marketplace application after receiving a Modified Open Enrollment Notice (MOEN). A MOEN indicates that the consumer is eligible for a special enrollment period due to qualifying life events or changes, but it doesn't mandate that the consumer must submit a new application.

Consumers can retain their current plan or choose to enroll in a new plan based on their preferences, but it is not a requirement to submit a new application as a result of receiving the MOEN. This allows consumers some flexibility in managing their enrollment without the pressure of needing to confirm or change their coverage if they feel their current situation remains suitable.

The other options might suggest scenarios where application submission is required, which is not aligned with the guidelines pertaining to MOEN notifications. This set-up essentially acknowledges that while the consumer has the option to update their application, it is not an obligation, thereby allowing for a more relaxed approach to changes in their Marketplace status.