For an individual to be able to appeal an APTC denial, what must they first do?

To appeal an Advanced Premium Tax Credit (APTC) denial, it is essential for the individual to first submit an appeal request form. This action is critical as it formally initiates the appeals process and notifies the relevant authorities of the individual's intent to contest the denial. Without this official request, the case will not move forward, and the individual will not have the opportunity to present their arguments or any relevant information that may support their eligibility for the APTC.

While it might be beneficial for the individual to review the eligibility criteria or consult a legal advisor, such steps do not replace the necessity of submitting the appeal request form. Similarly, paying premiums is typically a condition for maintaining coverage but does not impact the initial appeal process itself. Thus, submitting the appeal request form is the definitive and necessary step to challenge an APTC denial.