To answer your question - no, never lie on the application. They will check to see everything checks out. As for your sister, she can still apply for coverage, but if they find that her current coverage through her employer meets the minimum requirements and is considered affordable, she won't be eligible for the tax credit. If, however, it doesn't meet either, she may be eligible for the credit. Moreover, she may find more affordable plans through the Marketplace (even without the tax credit).

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and generally, no, its not legal to lie on an application for government benefits.

I thought it was king of odd that the sign said "Obamacare" rather than "The affordable care act", but then I thought that maybe they did it because Obamacare is more well know.

Live and learn

Thanks!

It's illegal to charge for helping to sign up for ACA and it's illegal to encourage anyone to lie on an application.

These people were frauds and need to be reported.

If you care you will report them.

Your sister will stick with what her employer provides, it's unlikely that she can do better under ACA because if she uses ACA she has to pay the full amount because she won't get the employer's contribution.

Odd post, odd story. I'll give you the benefit of the doubt but it's odd.

What state are you in?

For various reasons.

One, it is certainly not legal or wise to lie on the application.

Two, it is not necessary to pay to apply for insurance under the ACA. You can do it online, or there are navigators and brokers who will help for free. It sounds like those people your sister spoke to were running a scam. She should have reported it to the authorities.

Third, if your sister gets insurance through her job, she can buy insurance through the exchange but she would not be eligible for subsidies. So it's unlikely that she would find a better deal unless her employer offers really crappy insurance.

But they will be reported for sure