During the year, some Marketplace consumers receive notices asking them to verify information submitted on their application.

These notices are known as Data Matching Issues (DMIs).

For ACA agents, understanding how DMIs work is important because unresolved issues can affect subsidy eligibility and potentially lead to coverage changes.

Here’s what agents should know about Data Matching Issues in 2026.

What Is a Data Matching Issue?

A Data Matching Issue occurs when the Marketplace cannot verify certain information provided on an ACA application.

The Marketplace checks application details against federal and state databases. If the system cannot confirm the information, the consumer may be asked to submit documentation.

Common areas that may trigger a DMI include:

• Household income
• Citizenship or immigration status
• Social Security numbers
• Identity verification

These checks help ensure Marketplace eligibility rules are followed.

What Happens When a Client Receives a DMI Notice?

When the Marketplace identifies a mismatch, the consumer typically receives a notice explaining what information needs to be verified.

The notice may request documents such as:

• Pay stubs
• Tax returns
• Immigration documents
• Identity verification documents

Consumers usually have a specific timeframe to submit documentation.

If documentation is not provided within the required period, Marketplace financial assistance may be adjusted.

Why Data Matching Issues Occur

DMIs can occur for several reasons, including:

• Income changes not reflected in federal databases
• Recently started jobs or self-employment
• Name differences between documents
• Identity verification challenges

These situations are common and do not necessarily mean an application was incorrect.

How Agents Can Help Clients

Agents can assist clients by explaining the process and helping them understand what documents may be required.

Helpful steps include:

• Reviewing the Marketplace notice with the client
• Identifying what documents may satisfy the request
• Encouraging timely submission of documentation

Helping clients respond quickly can prevent unnecessary changes to their coverage or subsidies.

The Importance of Responding to Marketplace Notices

Ignoring a DMI notice can lead to changes in financial assistance eligibility.

For example, if income verification is not provided, the Marketplace may adjust the client’s premium tax credit amount.

Responding within the requested timeframe helps ensure the client’s eligibility determination remains accurate.

Common Misunderstandings About Data Matching Issues

Some consumers believe a DMI means their coverage will automatically be canceled. In most cases, it simply means the Marketplace needs additional documentation to confirm eligibility.

Agents who explain this clearly can help reduce confusion and anxiety for their clients.

FAQs

Do Data Matching Issues affect coverage immediately?
Not necessarily. The Marketplace usually provides time for consumers to submit documentation before changes occur.

What documents are commonly requested?
Income documents such as pay stubs or tax returns are frequently requested.

Can agents submit documents for clients?
Agents may assist clients in understanding the process, but clients must review and confirm their own application information.

How long do clients have to respond?
The notice will specify the deadline for submitting documents.

Final Thoughts

Data Matching Issues are a normal part of Marketplace verification processes.

Agents who understand how DMIs work can help clients respond quickly, maintain accurate eligibility, and avoid unnecessary changes to their coverage.

Providing clear guidance strengthens trust and supports long-term client relationships.