Exceptional Circumstances Question

Have any of you had an escalation for exceptional circumstances?

Family has had illness that prevented spouse from keeping up with bills. I find it interesting that the loss of coverage reason was not questioned by the rep at HC.gov, more the length of time of the lapse.

Am also pursuing STM, but want to find carrier that does more than 6 months, as back to back has some risks. Only have UH1 now, seeking others.
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