Which process allows individuals to formally challenge a decision made by the Marketplace?

The formal appeal process is a mechanism established by the Marketplace that enables individuals to contest decisions affecting their eligibility, coverage, or the determination of financial assistance, such as tax credits and cost-sharing reductions. This process is critical because it provides a structured framework where individuals can present their case, submit supporting documents, and receive a written decision regarding their appeal, ensuring that their concerns are addressed systematically.

Feedback surveys, public forums, and direct communication with agents are not designed specifically for challenging decisions. Feedback surveys typically gather information from users about their experiences but do not offer a formal means of contesting decisions. Public forums may facilitate discussions but lack the structure and legal basis needed for an appeal. Direct communication with agents can be helpful for inquiries or preliminary questions, but it does not constitute a formal avenue for disputing Marketplace decisions. Thus, the formal appeal process is the only option that specifically provides the necessary structure for individuals to challenge decisions made by the Marketplace effectively.