(Disclaimer: As I get my health insurance through work, I have no first-hand experience with the ACA exchanges. I could be making some incorrect assumptions here.)
It is my understanding (sanity-tested with AI, but recognizing the imperfections of AI) that if you are a citizen applying for coverage through the exchange, you must supply a Social Security number or proof of legal status with your application.
In theory (and for the moment, ignoring the incompetence and bigotry of the current regime), if the powers that be couldn’t confirm the validity of any SSNs provided or the validity of the legal status claimed, that would be strongly indicative that the application was defective…perhaps because the applicant doesn’t actually exist.
The non-existence of those applicants could be disproven if they had actually filed a claim.
Thus my simplistic observation: (No record of existing) AND (no claims filed) = (probably didn’t exist). I see nothing wrong with terminating the coverage of non-existent people who are receiving subsidized coverage.
However, we are living in the stupidest times.
I don’t know the extent to which the regime double-checked that the affected people/“people” didn’t exist. Typos in SSNs can occur, and I don’t know what would be involved in the cross-checking for the folks without SSNs. I have minimal faith that the current regime would have done a good job at such work (and I don’t claim any objectivity on that subject).
I also don’t know that “we have a plausible reason to believe these people don’t exist” describes as many of the folks kicked out as the article suggests the regime implied. For example, I wouldn’t be terribly surprised if the regime just randomly picked 700k folks who were paying less than $10/month after subsidies and kicked them off of Obamacare.
But to return to the point I made earlier… I don’t think the “no claims” bit means “you weren’t documented as using your coverage, so we’re taking your coverage away from you.” Instead, I think it’s “we don’t think you actually exist because of these reasons; if you had had any claims, that would have disproven your non-existence.”