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DMIs Can Mean Lost Coverage – Here’s How to Fix Them

Jan. 7, 2026

Applies to Individual & Family Markets

During Open Enrollment, you may have encountered Data Matching Issues (DMIs) in your clients’ applications. Failing to address DMIs within 90 days may result in a loss of premium tax credits, cost-sharing reductions and in some cases, coverage.

DMIs occur when:

  • Information is incomplete or missing.
  • The client's application doesn’t match data from credible sources like IRS databases.

Where to Find DMIs

On your IFM Shop and Enroll platform powered by HealthSherpa account:

  • The confirmation page you received after enrolling a client in a plan will flag any DMIs with error messages in the “Documents” column.

Through the Marketplace:

  • Review the eligibility determination notice from the Marketplace to see if any DMIs appear under the “Next Steps” section.
  • If your client has a DMI, you will see the message: "Important: You must submit documents."

Fixing DMIs

Check the client's application for typos or errors:

  • If you find any, resubmit the application to see if this resolves the DMI.
  • If resubmitting doesn't work, you or your client will need to submit documents directly on the HealthSherpa site specific to the issue. You can also call their Technical Support line for help. The number is located under the Agent-Assisted On-Exchange Enrollment section in Contacts for Producers.

Bottom line

DMIs pose challenges during the health insurance enrollment process. It's crucial to help your clients resolve DMIs. Review a list of common DMIs and how to fix them .