HealthCare.gov
Reviews and Complaints

Nisha Clark (sp?) provided the most incredible customer service I’ve ever received in my life. This is on a December 15, 2024 (deadline day for Jan 1, 2025 enrollment) call regarding health insurance coverage, after my husband had been laid off.

Miss Clark is outstanding with her unrivaled calm kind professionalism, knowledge, patience, problem solving skills, pleasant demeanor, software skills, intelligence, resourcefulness, clarity, cadence, etiquette, and elocution! This, during a potentially anxiety provoking discussion, with a government agency.

This is the call (and likely many others of Ms. Clarks’ others), to use for training purposes!

I do not know her nor have ever worked with her before. I will, if possible, ask for her in the future.

I called the number given on the commercials for the Healthcare.gov monthly health insurance on November 13, 2023. I spoke to a man who filled out my application over the phone. He chose thee insurance AmBetter. He told me I would receive my benefits packet in 10-14 days. Then we hung up. I received an email saying that my application was submitted and I needed to pick a plan. I thought that was weird because I already picked a plan over the phone with the representative. It prompted me to log into my account so I did. When I logged in, I saw that it showed that no application had been submitted for me. So I called back several times and the customer service representatives all said they could see my account and recently submitted application but I wouldn't be able to access it until it updates overnight. I know that is a lie. Also, they tried to verify my information and did so even though the information on the account is different then what I told them. I thought that was very poor security as a government beneficial entity. I asked them to cancel the application because of the hassle of trying to access my own application. I told them I wanted confirmation of the cancellation emailed to me and they said they couldn't do that. There was no way for me to view the application that was just submitted. But the representatives could see it. I thought that was strange and not a secure way to conduct business with someone's sensative personal information. The next morning, I have accessed my profile and account and there is still no application showing that it was submitted the day before. I want to know where this application is and I want confirmation it was cancelled. I have someone obsessed and stalking me right now and they are trying to steal my identity. So I don't take situations like this very lightly. I need to know that my information is secured and I need access to the application submitted on November 13, 2023, in my account on healthcare.gov. Thank you.

Today I had to give a call in to obtain information on my 1095-A. I was not able to hear her name clearly, but I think it was Shantera Teason. She was fantastic in helping me get the information I needed and even reviewed it with me to make sure I had taken it down correctly. She was patient and repeated things multiple times for me. Due to the way the sound transmitted over the phone (not on her end, but mine), I was not able to hear everything clearly. She should be given recognition for her efforts and customer service. Thank you so much, Ms. Teason. I hope you receive many blessings and accolades for your assistance.

I gotta say, I waited until the last minute to apply for my health insurance, but it was doable and shouldn't have been an issue. I moved to a new state, so my health insurance had to be changed. I spent the majority of my day today talking on the phone to a healthcare.gov employee (the best one I have ever talked to) trying to accomplish getting my enrollment completed. The site crashed in the middle of my process and still ain't been fixed. I continued to try to get on the site periodically throughout the day, but it was still down. I called them at 11:15 pm for the second time today with an automated recording telling me my wait time was 30 minutes. I waited over an hour for someone to answer, and by that time, it was no longer July but August 1st. I was then told "they gave me a special enrollment period, and I have until September to enroll for my new insurance," but the other week when I spoke with them, they had me cancel my health insurance so it ended July 31st, knowing the new one would start August 1st, so now I have no health insurance coverage for a month. I have medicine I have to take every day and have to see a doctor to have it prescribed, this is beyond unacceptable.

Even though it is their fault that I couldn't complete my enrollment in a timely fashion on July 31st and then lied about my wait time to speak with someone, they say their system won't allow it to be adjusted correctly. Who runs the system? Humans! How is a computer the one dictating these scenarios? When I told this person I wanted to speak to someone in management that could correct this issue, they put me on hold and then hung up on me after I was on hold and then speaking with them for an hour and 18 minutes. They asked for my phone number at the very beginning of my call, so they should have called me back after that scenario. I'm soooo angry about this whole ordeal.

And to add fuel to the fire, while I was on hold for 54 minutes, they made me listen to music that is loud, staticky, and does nothing to make me feel good about waiting that long-with all the money they get from their health insurance scams that they produce, they should at least give options like apple does-music choices that play clearly or just wonderful silence while you wait for someone to answer. FK you healthcare.gov. You are not kind, caring, helpful, or doing anything to take care of my health. FK YOU!

I gotta say, I'm giving healthcare.gov a negative 500 rating. This whole experience has been a complete nightmare. I understand that things can go wrong, but the lack of accountability and customer service is unacceptable. I hope that they can get their act together and start taking care of their customers.

I've been using healthcare.gov since 2019 and it was going pretty good for me. I had the same plan and costs and it was affordable. My monthly premium was $145 and my specialist copayments were only $5. I also got free prescriptions and my deductible was $1,900. This was great for me because I have a lot of health problems. I get pneumonia a lot, I have gastro problems, and chronic migraines. I was also diagnosed with a brain tumor and I was waiting to see if it was cancerous. It was a stressful time for me because I had to wait for doctor appointments and it dragged on for months.

In September, I noticed that my health plan had changed before open enrollment. They changed it for me and they bragged about a lower monthly premium. It's called the American Rescue Plan Act of 2021 and they emphasized lower monthly premiums. What stood out to me was the copays are now $65 for a specialist and the prescriptions are $5 each now. The deductible went up to $4,600 and this changed after I went to the emergency room the first time whenever I needed a chest X-ray just to get antibiotics. The minuteclinic wouldn't give me antibiotics without a chest X-ray and I couldn't get into any urgent cares or anywhere. I was limited on where I could go and I couldn't wait around.

During my cancer scare, I was stressed out and my hair fell out. It may be from hormones and I'm getting more tests. In December, I went to the emergency room again with symptoms of a stroke and possible brain bleed. Ever since then, I got a doctor bill for $1,761 that I have to pay out of my pocket because I didn't meet the deductible. At the time, I wasn't thinking clearly or else I wouldn't have gone to the hospital. I am now in a worse position because I was so used to how my insurance used to be that I didn't know I was going to get a bill that I couldn't afford. I'm already on a payment plan for other medical debt from an MRI. This has all been just too much stress. I have missed work for times I have had to call the insurance and be on the phone for hours. I spent the day crying and I'm sick to my stomach.

It's ruined my life and I looked up costs to get health insurance directly through an insurance company and it's $400-$600 a month premium. I can't look at plans to compare for healthcare.gov until enrollment in Nov or Dec 2022. They took away options whenever I renewed this past Dec 2021 and I already sat on the phone and website with very little options. It's just too much for me to handle right now.

I lost my job and my health insurance coverage along with it. It was a very expensive plan for me personally despite employee sponsorship, with an endless series of bills for the services I availed in 2016-17. My Dec 2017 COBRA payment due was around $1600/-. I am still unemployed, and my wife has a modest income as a music instructor. I had to find cheaper options, and from Dec 1, I found one Healthcare.gov that suited my needs. I got a bunch of options and I chose the one that made most sense for me (Horizon BCBS) with a premium of around $ 1150/- for one month - saving me around $400/-. The reason my premium was still high was because of our combined income for 2017 was well above the threshold set by ACA.

For 2018, however, it was a different story. Our projected income for next year is expected to drop precipitously, and so we qualified for a substantial subsidy. The cheapest plan came with a premium of $0.92 per month after a hefty subsidy. There were a few more like that with a premium of less than $ 10.00 per month. We were all rubbing our eyes in disbelief, and even suspected that all this might turn out to be too good to be true. NOT! We verified (called the 24*7 Customer Service line), and found this to be true and correct. We chose a plan that was just right for our family, and completed the entire application process, including uploading the supporting documents, in about 15 minutes. It was quite an amazing experience. My past employer's Insurer (Aetna) was nowhere near this user-friendly. Healthcare.gov was the hands-down winner. No question.

Here is the icing on the cake - the fabulous Customer Service. During the course of my checking out plans and enrollment for Dec 2017 and 2018, I had to call Customer Service (***596) several times considering some complications in my application arising from a family situation. EVERY time that I called, the Rep who spoke to me was genuinely friendly, extremely patient while answering the several questions I had, and was very knowledgeable. If they did not know the answer to something, or were not sure, they would put me on hold for a minute or two to research the website or speak to a Supervisor, and then circle back with me. The quality was the SAME regardless of the time of the day or the day of the week that I called.

I cannot stress enough how much of a godsend the ACA is for folks like me, who need health insurance badly, but simply cannot afford it when faced with extenuating family situations and genuine financial hardships. I am sure that there are millions out there who are in far worse shape than I am, and perhaps they need insurance even more badly than I do. I sincerely hope this great service is not gutted by short-sighted political motivations.

I've had a lot of problems with HealthCare.gov and Ambetter since I signed up with them. It's been a real headache.

I went to urgent care in the summer for ear pain. On my insurance card, it said my copayment was around $10-$15. I paid that and got examined for about 10 minutes, then left. But a month later, I got a bill for $200! Apparently, Ambetter put the wrong billing code in their system for my visit. I spent days on the phone with Ambetter and HealthCare.gov trying to fight the charge. Ambetter said they always use the same code for everyone, and HealthCare.gov said the code was the reason I was charged $200. I filed an appeal with HealthCare.gov, but it was denied. I had to pay the $200 or risk going to collections.

At the end of 2019, I got a notice in the mail that it was time to renew my policy. But the price had gone up from $30 a month to $300, so I called Ambetter to cancel. The person I spoke to said they canceled my policy, but in February, I got a letter and email saying my account was past due and I owed money. I called Ambetter again, and they said my account was not overdue and I didn't owe anything. But then in March, I got a statement in the mail for $1,081.47! Ambetter said the person I spoke to in December/January never canceled my policy. I called HealthCare.gov, but they said I was responsible for the payment because I didn't inform them that I wasn't renewing. But I never chose for my policy to automatically renew! They said since they didn't hear from me, it automatically renewed. How is that fair? My monthly payment went from $30 to $300, and that's why I wasn't renewing. I tried to file an appeal with HealthCare.gov, but I know it will be denied, and I'll be responsible for the payment.

I'm so upset and scared. I just lost my job, and I can't afford to pay that kind of money. I had to cancel my health insurance because of it.

I would not recommend HealthCare.gov or Ambetter to anyone. It's been a nightmare dealing with them.

HealthCare.gov is a complete disaster. I was never notified that I lost my tax credit for my insurance. I received a bill from my health insurance showing that I still have a credit for June, meaning everything is fine. However, a couple of weeks later, around the end of May, I got another bill saying I don't have a tax credit and I have to pay $387 for June. I logged onto healthcare.gov to see an online message saying I am no longer eligible. I called and was informed that if I would have called before May 15, they could have reapplied the credit for June, but since it was the end of May, they couldn't do it. Why would I call to fix something I didn't know was broken? I received a bill at first saying I had the credit. It wasn't until long after May 15 that I received the other bill showing I no longer had the credit. Healthcare.gov never sent me anything saying I lost it. I didn't realize I should be logging onto their site once a week to make sure there weren't any new problems. That is ridiculous.

The first guy transferred me to someone he said would be able to override June due to misinformation since I was not informed I would lose the tax credit before May 15. The next person told me that does not count for misinformation. The definition of misinformation is giving the wrong information to someone. So me getting one bill showing I am covered for June and have a tax credit is quite literally misinforming me. I asked for her supervisor, and that is when I got Nikki Strong on the phone. At first, she thought I lost my tax credit because I didn't file the form for it on my 2017 taxes. I did. I have confirmed with my tax lady more than once that she filed that form. Then Nikki decides I lost it for another reason, because I claim I make 20k less this year than last year. I lost one of my 2 jobs, which is why I don't have that income. I explained to her the system is broken as it doesn't accept that someone could possibly lose their job as a legitimate reason for why you don't make as much money.

I asked Ms. Strong what she would suggest I do to prove I make less money that I haven't already done. Her response was that she wouldn't have lost her job in the first place because she knows how to keep her job. Just plain nasty and not at all helpful. She told me I can appeal but still have to pay $387 for June if I want to keep my insurance. I cannot afford that! She explained the appeal process takes 90 days, and it must be done by regular mail or fax where they would respond to me to my mailing address or by phone. I explained to her I leave the country Friday for 4 months and that I would not be able to receive mail at my mailing address. I would not be able to get calls unless from another iPhone overseas. I asked her how she recommends I file an appeal from another country, and her exact words were "well maybe you shouldn't be leaving the country." Again, how the hell is that helpful at all? IT ISN'T! She was nasty and rude and had no desire to help anyone or give an option that was possible.

Now I will have to cancel my insurance since I can't afford it, which means when I return to the states in October, I won't have any way to have insurance until the new year. Nikki should be fired. Heck, most of the uneducated, rude, straight nasty employees there should be fired. The system is broken, and the employees are not helpful. It's a complete mess, and I would not recommend using HealthCare.gov.

I am writing this review to share my experience with HealthCare.gov. Let me start by saying that I am extremely disappointed with the service I received. It is unacceptable to mandate health care without proper tools in place. My family and I were unable to be on a family plan, and the provider did not know why. Each family member had a separate policy, which meant separate access numbers to file claims and go online. This made no sense, as we all applied on the same application.

To make matters worse, one of my children was not added to the policy for whatever reason. I was told there must have been some sort of glitch, and she was added back on at a higher premium. I never received any email or letters regarding this issue, and two weeks later, a letter arrived saying that our health insurance had been cancelled. This left my minor child without health care for three months.

I called the customer service line and was told that my child qualified for special enrollment. However, I was unable to add her back to the first application, and we had to complete an entire new application for her alone. I had to go through all the questions by phone, and I was told that she qualified. However, I would have to resubmit all documents again. When I asked if this would change my login, I was told no. But when I tried to login, I couldn't find my daughter's application.

I called again and had to wait on hold for 30 minutes. When I finally spoke to someone, I explained the situation again, and they found my daughter's application under a login from three years ago. I had signed up but never completed the process years back. How is it possible that they can start a new application under a login from years ago? When I asked for the plan that the entire family is currently signed up for, I was told that plan is not available. This is unacceptable.

After all was said and done, I was given the amount of the monthly premium, which was 30 times more than my other child. When I asked why, the representative had no idea. They asked if I wanted to cooperate with child support enforcement, which made no sense. My monthly premium for child B is higher than for Child A, and my child has been without health insurance for four months now. We all have different policies, and now we have two logins. My spouse and I are unable to get or verify information on the other application, and I received a letter for the state about an absent father.

This was the worst experience I have ever encountered. I urge you to go to an agent in your local area if you are lucky enough to have one. HealthCare.gov needs to educate their staff, fix their system, and do something to improve their service. If it is going to be required that everyone has health care, then at least train staff to know information or have call centers for each separate state with well-informed staff regarding state policies, procedures, and programs. After all this, I was told that I qualified for some state medical program for my child, a program that is not even offered in my state. This is unacceptable.

When I first signed up for healthcare.gov, I was relieved that I could keep my doctor and my kids' doctors. The first year was fine, and even when Covid hit and the IRS refunded my tax premium, I didn't have much to complain about. However, in 2021, things took a turn for the worse. Suddenly, I had to pay almost the full amount out of pocket for doctor's visits, blood tests, and my medication price jumped from $30 a month to $350. I knew I had to switch plans, even if it meant switching doctors.

The messages from the Marketplace always gave me the impression that if I didn't re-enroll in the marketplace, my plan would be automatically cancelled. So, I hurried up and re-enrolled as soon as possible. But, to my surprise, I was never reminded that when I signed up for the plan, the fine print said they had the right for 5 years of automatic re-enrollment. It wasn't until the insurance company sent me an email about the pending charge for January 2022 that I realized what had happened. I called the insurance company three times and spent hours with different reps before finally understanding that it was because of the Marketplace's automatic renewal. They transferred me to a Marketplace rep, who said it would be cancelled.

The next day, I called the Marketplace again, this time speaking to a different rep. He had a hard time finding any information about my cancellation. He told me to wait 2-3 days for the confirmation email to arrive, but they were not able to provide me with a confirmation number or email. Finally, he provided me with a 27-digit confirmation number, but I wasn't even sure what it was for.

So, on 12/30/21, I called the Marketplace again, this time speaking to a female rep. She didn't know what the confirmation number was for, but after some research, she told me that I wouldn't be re-enrolled into 2022 coverage. However, I needed some evidence, some confirmation, after reading some horrible stories on this site. The rep said she couldn't send me any email or message, saying that it's their protocol. I asked to talk to her supervisor and was transferred a few times. In 30 minutes, I started talking with a male, and he provided me with the same explanation. He tried to convince me that the status of my current 2021 plan ("Active until 12/31/2021") was proof that I had successfully cancelled my 2022 coverage. I asked for a more explicit phrase, something like "you will not have coverage for the year 2022," and he said no. He also said this was per the guideline of CMS.gov. I asked for another supervisor, this time a woman. Again, she said the Marketplace would not send out any message/email/mail about the cancellation per the guideline, but the insurance company would in a few days. I had to ask for another supervisor and was transferred to a peer. An old lady, probably with better patience, but the same BS. She could not let me talk to her manager, and she just hung up.

Overall, my experience with healthcare.gov has been frustrating and confusing. I wish they would make it easier to cancel plans and provide more explicit confirmation of cancellations. The company name is Maximus, and it has branches all over the country.

This website, healthcare.gov, has really messed up things for those of us who are self-employed and making good money. I understand the idea of wanting to provide health insurance for everyone who can't afford it, but isn't that what Medicaid is for? This method has screwed the rest of us over. There are far fewer options available and no freedom to choose the insurance you want. The carriers in the marketplace are horrible bottom feeders. I have also noticed that the attention and detail of the doctors has gone way downhill since all this started, and they have to do way more paperwork. So the bottom feeder insurance companies win, and the patients all lose.

I have tolerated this crap and signed up every year for my plan. The last two years, we had issues where the insurance company said it didn't receive the enrollment payment that I paid online when signing up through the site. Last year, they fixed it, but this year, they have not yet. The payment was clearly made in November and charged to my card. Finally, they incorrectly applied it to last year, and now I have a credit for last year, but they show no payment for enrollment. I am waiting for them to fix it and going without insurance in the meantime.

I asked healthcare.gov to help since I enrolled through them, but they can't help. They are useless. We were forced into this crappy system, and they can't even do their job. So I was hoping this year we'd have more options for carriers since the law changed, but in my area, it's still the same bottom feeders. Hopefully, some of the better carriers will be back soon. I won't be using healthcare.gov for anything anymore either way. I'm not sure why I ever went through the website since I don't qualify for any discounts or anything.

Then, on top of all of that, every year when I sign up through healthcare.gov, I start getting phone calls from telemarketers every day trying to sell their health insurance. I'm not sure if healthcare.gov sells our information or gets hacked. The first year it happened, I didn't tie it together, but when it happened each year thereafter, it's obvious. Other people complain about it, and all healthcare.gov says is it's probably security on our computer. Complete BS. I use VPN technology all the time, and I never have issues except right after I submit the application at healthcare.gov.

I'm not an Obama hater. I liked Obama for a lot of things, but this is not one of them. The idea might have been good, but the method to get there and the execution were terrible, and to this day, it is still the most frustrating thing. I remember what doctors and health insurance used to be like. Maybe not great, but 100 times better than we have now. We'll never get back to that.

Just like many other people who are able to do it, we leave the country for anything. The stupid ACA didn't realize how pushing people in that direction was going to take money away from doctors and insurance in the U.S. We decided to go with no insurance this year. Everyone says it's crazy, but you need to do the math if you're like me and not qualifying for any discount.

We live close to the border, so for anything that's not an emergency, we cross the border and get the care we need from more attentive doctors for the same price as our copays. People say, "What about an emergency, e.g., a heart attack?" It's scary at first, right? A heart attack can cost about $150K. But if you tell the hospital you are uninsured, it gets switched to self-pay, and you get a hefty discount. Nothing special because the insurance companies all negotiate the original price down to about 10% of what the hospital asks for anyway. Then, if you tell them you can pay all at once, it's another huge discount. You can get that bill down to about $30K. It sounds like a lot, but if you had bottom feeder insurance, do you think you'd walk away without paying anything? You'd still end up paying about $15K out of pocket. So if I do have a heart attack, I lose $15K. But will I have one this year? Next year? When will it happen? Save and invest those premiums (nearly $10K a year for us) during that time, and you'll have more than $15K.

So this year, since we're not forced to buy insurance or pay a penalty, we are just not buying any insurance. That's the way to go for us and a lot of other people, and that just further drives a hole through this bottom-feeding insurance practice that we've gotten stuck with.

I'm not saying everyone should do that, but do your research. Look at how low you can negotiate hospital bills for everything on your own. People do it all the time. Don't just be scared of that $150K emergency and be tricked into buying crap you don't need. If the insurance and the doctors were any good, I'd buy, but what we have today is just crap, so why would anyone want to buy it?

The catch to the plan is that if you have a pre-existing condition, it may be hard to get insurance if you want/need it in the future. But at least for now, these same bottom feeders have to accept pre-existing conditions through the marketplace. So you can always go back. Until that changes or we have better insurance options, I'm going to keep going without insurance.

The healthcare plan costs vary drastically depending on where you live. It's important to examine the healthcare plans to realize that you may need to move to a poor, rural area to get the least expensive insurance policy. Unfortunately, subsidies are not available to everyone, so many people are paying for the less fortunate. This is a problem for people like me who are semi-retired and have Medicare, but can't afford insurance for my younger, not-working wife.

The promise that "if you like your doctor, you can keep your doctor" is not true in many areas. Doctors in my area hate Obamacare and refuse to accept policy holders. They only take cash, which is surprising considering I live in a liberal area. I haven't found a liberal doctor that likes Obamacare; they consider it a disaster. Obamacare maximizes healthcare money received from US citizens while minimizing money given back to medical professionals for their services. The paperwork is a nightmare, and fortunately for doctors, they are not required to accept Obamacare policy holders.

I financially support our own healthcare needs, applying my own self-insured plan. Being semi-retired and with my wife not working, we don't have the money to throw away for the biggest government scam and intrusion into my life that I've ever witnessed. We're doing fine and it feels good not to get ripped off by the government!

If you're single and young, consider no insurance. I didn't pay for insurance when I wasn't working because I felt my good gene pool was in my favor. If you're healthy, why waste money? Especially if you have good, young genes, consider opting out of medical insurance altogether.

An interesting example of regional costs is comparing the town where my wife was born and where we now live. Living in my wife's "Boonville" town in PA, we'd only pay no-subsidy cost of $380/month for the Silver Plan. Where we now live we'd pay a no-subsidy cost of $695/month for the Silver Plan. This data is taken from the Kaiser Family Foundation healthcare calculator. Even when living in my wife's Boonville town, you could have an income into the millions, and you still pay the same, $380/month payment (of course, no subsidies). It's very important where you live when attempting to reduce your healthcare costs.

The current healthcare plan sends a message that you should move away from a high-income town and settle into a lower income neighborhood to receive reduced healthcare plan coverage. This sounds like another version of the government attempting to move the poor into wealthy neighborhoods! In other words, if you can't move the poor into the wealthy neighborhoods, then move the wealthy into the poor neighborhoods. This might work for high-end neighborhood dwellers if you're currently property-rich and cash-poor.

The Silver Plan only pays 70% of total expenses, so the "insured" pays for the rest. So with or without Obamacare, you can still be wading at least waist-high in the brown stuff. It's just a matter of the level of the brown stuff when incurring major medical costs. Before Obamacare, we had a good $400/month insurance plan. Now, it's unaffordable and a very poor policy. As usual, when the government tries to compete with industry, the government once again proves incompetent.

The general public has been "sold" on the false need to have insurance. After paying off my mortgage, I've saved about $1,000 per year on property insurance. After paying over $30K in mandatory property insurance for the house loan, I never made an insurance claim. I'll never purchase property insurance again. Over my 70-year lifetime, I've never had an operation and always had good health. I'll never pay for health insurance again. For most people, it's a waste of money.

A recent 2016 calculation using the Kaiser Family healthcare calculator shows that Silver Plan insurance for a family of four with a $100K annual family income living in my area would cost over $16K per year. What family of four has that much expendable income to pay for an essentially valueless health insurance plan? I'm assuming the age-old payment priorities are the monthly rental payments or house mortgage payments, utilities, food, gas for the car, etc. The ultra-high cost of health insurance is insane. Don't be suckered by our corrupt and incompetent government. The government wants to make you poor.

Me and my husband enrolled in healthcare.gov on January 15th and we were excited to have a good plan and a good rate. However, it has been a total nightmare. We have been kicked off the plan several times due to administrative errors that were totally and entirely on the part of healthcare.gov. For example, they claimed 3 months into approving us for coverage that I was not a US citizen. Why in the world would they approve us without this info? They had my social security number and they are the government, it should have been an easy check.

We have also had erratic billing, which constantly made us wonder month to month if we even had coverage. Then they would pull it together after several phone calls and bill us all in one shot for the past 3 months, etc. In the meantime, we put off appointments/meds because when we didn't pay a premium, it seemed logical that if we had services rendered, it would be rejected. Having to 'back pay' left us feeling very vulnerable to this.

When we received notifications that we'd be bumped from the plan for my "not being a citizen", I called the marketplace the same day and spoke to Charles, a rep who said it was their fault they didn't get this info from me before signing me up and requested I send a copy of my driver's license, which I did the same day. We continue to be told (to this day, I might add) that they are missing my citizenship info. Through summer and fall 2015 I would continue to call for these billing issues, and was told a different story every time. I logged all names, dates, and info I was told, would speak to someone different every time who would give me erroneous information, and the next rep who I would speak to about it would not care, then tell me their OWN story of what was going on... no accountability at all.

In December 2015, I thought I better call to be sure we were carried over to 2016 automatically. I spoke to a woman named LaToya on December 9th who told me if I didn't update our paperwork, we would have a gap in coverage (that is, no coverage for January) but it would resume in February. WHAT? I repeated this back to her to be sure I had it right and told her it sounded absolutely ridiculous, but she insisted that was how it worked.

Sure enough, our premium was not deducted at the end of December for January, which did follow suit with what LaToya told me, but I was still uneasy. Frankly, I'm burned out from calling these people, so I let it go. At the end of January, I noticed our premium did not come out again, so I was forced to call on January 22nd and spoke to Cayden who was kind and said what Latoya told me was entirely wrong and our insurance SHOULD have continued but we fell through the cracks. He even said 'I'm sorry to say this happens more often than I want to admit." He put in an escalation to get it back on track for February 1st. I told him I did not want to pay for January coverage at this point, I was told we would be without coverage and we planned accordingly, and also our premiums have not been taken out. He thought we would have to start up on January 1st but he would try to start it for February 1st. I got a call from Harvard Pilgrim on January 25th that they heard about my 'complaint' that we were kicked off and wanted a February 1st start date but they had not received any paperwork from healthcare.gov and "strongly urged" me to call the marketplace to make sure paperwork was in order.

I called the Marketplace to do just that on January 27th and asked to speak to a manager! The manager (last name Jones, do not have first name) was a robot, reading off a script. I poured all of this out to her and she insisted that we'd had coverage all along, there was no gap and everything is on track, it's now in HPs hands! I told her 1.) We have had no premiums taken out since the end of November, so this is entirely false, and 2.) I was told by HP directly that we will be getting a termination letter soon because they have not received anything from the marketplace to reinstate us.

She could not have cared any less. I asked her if she would mind calling HP directly at this point because this has become absurd. She refused (she told me the marketplace cannot make outbound calls) and I got nowhere once again. I called HP and explained the situation told her we are in a holding pattern, and would she call the marketplace to bridge this gap because both claim the other one owes them info to move forward. She also refused. We are now stuck.

I asked my husband to call yesterday to just simply cancel us from the marketplace because I am fried. At this point, I'd be glad to not carry insurance, it's too much work. But we will be penalized for that. So he called the marketplace and spoke to someone about a new plan, with no mention of our HP plan being "stuck" in limbo. This whole experience reminds me of the movie "Groundhog Day"... I want to be rid of the marketplace completely because, honestly, I can feel the stress of my health insurance taking a toll on my health. But my husband is trying to make it work, mostly because he hasn't experienced this runaround like I have. ***By the way, I should note, I am still being asked for proof of citizenship whenever I call, and it's been almost a year!

I am pretty sure ultimately we will be working with an insurance provider outside of the marketplace, once my husband figures this all out for himself and reaches my level of frustration, but for now, he's steering this ship. I am done.

Bottom line: the marketplace is one royally screwed up mess.

PS A ONE STAR RATING IS TOO MANY STARS

SOME REPS HAVE BEEN POLITE AND SEEMINGLY KNOWLEDGEABLE BUT GOOD LUCK TALKING TO THE SAME PERSON TWICE. THERE IS NO ACCOUNTABILITY, EVEN WITH MANAGERS!

UPDATE: It is now August 2016, and we have since signed up with Minuteman Health. I have yet to use this insurance yet, but we've had no administrative issues at all... what a relief. We pay it every month, and they log it as paid. Nice and easy. Just not having to call every month to correct errors is a huge improvement. I will update once I use the insurance to let you know if it actually covers us! Interestingly, we get paper bills and email reminders that we haven't paid our bill from Harvard Pilgrim. (We haven't been on this plan for at least 8 months?)

I have emailed back a number of times (the 7th or 8th time was with ANGER!) asking them to unsubscribe us. We are not members anymore. They don't have a way to "unsubscribe" to online bills, but I'm able to reply, so the last email I sent to them reads as follows:

PLEASE STOP SENDING THESE MESSAGES! THERE IS NO WAY TO UNSUBSCRIBE TO THESE, AND WE HAVE NOT CARRIED THIS INSURANCE SINCE 2015 BECAUSE IT WAS SO SCREWED UP. WE HAD ISSUES WITH AUTOMATIC BILLING AND EVEN GOT KICKED OFF OF THE PLAN SEVERAL TIMES DUE TO CLERICAL ERRORS. IT WAS TOO ERRATIC SO WE CANCELLED. WE ALSO CONTINUE TO GET SNAIL MAIL BILLS!

PLEASE STOP SENDING THESE BILLS!

I sent it to: ***@hphc.org

I might be able to upgrade my star rating if Minuteman Health checks out. My husband has used it for his prescription, and so far, so good... fingers crossed!

I recently had to use HealthCare.gov to find a new insurance policy after my husband lost his job. We were eligible for special enrollment, so I spent over two hours filling out the application. It took me two days to decide which policy to choose, and when I finally went to select one, the site was down for maintenance. I tried again the next day and was able to upload my documents and call the insurance company to pay.

However, after all that, I found out that the policy only covered me, not my family. I called to inquire about this and was met with an unhelpful and unfriendly representative who told me that something had happened with the website update. I was frustrated and asked them to fix it, but they said it had already been processed and couldn't be changed. The representative eventually hung up on me, which only added to my frustration.

I lost count of how many phone calls I made trying to get this issue resolved, but eventually, they set up separate policies for the rest of my family. However, they couldn't explain why it was that way, and I was left with a policy for myself that I couldn't afford to extend to my family.

This mistake has the potential to cost me a lot of money, and I'm worried that it will affect my ability to get on my husband's plan at work. It's been a complete nightmare, and I regret not just taking the fine instead of dealing with this mess.

The worst part is that they could see where I had entered all my family's information, but it wasn't included in the policy. I can't get my money back on the other policy, and now I'm stuck with it and can't afford insurance for my family.

I can't stress enough how frustrating and difficult this process was. If you're in between coverage, I would recommend just taking the fine instead of dealing with HealthCare.gov. It's not worth the hassle and potential financial burden.

I gotta be real with y'all, I've been on HealthCare.gov for two years now and it's been a bit of a rollercoaster ride. When I signed up for this year, 2016, I got a letter saying I needed to send in some extra documents to prove I didn't have any other health coverage. But they didn't say what documents or who to talk to or anything like that. I called them up more than five times and nobody ever called me back. Finally, I got through to somebody who said I didn't need to send anything in and everything was good to go. But then a month later, I got another letter saying the same thing. And then two months after that, I got a third letter saying I needed to contact the dhhr and get a verification letter sent in. When I told them I had already called before, they said there was no record of it. And to top it all off, they hit me with a $30 increase that I'm still trying to figure out.

Now, I'm not the kind of person who shirks responsibility. If I messed up, I'll own up to it. But in this case, I don't feel like I did anything wrong. I just got really poor service and not enough information. The professionalism was seriously lacking and I wish I had more options as a self-employed person. If you're reading this and you want good service, good healthcare coverage, and affordable rates, I suggest you do your research and look at all your options.

This organization is just unbelievable, I mean, it can't get any worse than this. I received a letter from my dental insurance provider back in October of 2017 telling me that my insurance would automatically continue into 2018 without having to do anything except pay my premium. So, I thought everything was all good and dandy, right? Wrong! In December, I went on to the Marketplace website to change my medical insurance. After securing a medical plan, the website asked if I needed any additional dental or vision insurance. I DID NOT because my dental plan was already in place for 2018. So, I checked "NO". Well, apparently by answering "NO" it gives them the right to go and cancel the dental insurance you have in place... with no knowledge that they were going to do so. Nor did I give them any permission to cancel my insurance. I didn't know my dental insurance had been canceled until I received a refund check from my dental insurance provider in January. Can you believe that? I mean, what kind of organization does that to their customers?

When I called the Marketplace to get this fixed, they would do nothing. I just kept getting the scripted answer of "You are out of the enrollment window. Unless you have a life changing event you cannot make any changes until the next open enrollment in the fall". But wait, YOU cancelled my insurance. I talked to 3 people (2 supervisors) and kept getting the same answer. Finally, the last supervisor told me I was as far up the chain as I could go. Her bosses were not accessible to the public. I would just have to go without dental insurance for the year because of their screw up. Can you believe that? I mean, what kind of organization does that to their customers? It's just not right.

Overall, I would not recommend this organization to anyone. They can screw up everyone's insurance and then not have to correct any of their mistakes. It's just not fair to the customers who rely on them for their insurance needs. So, if you're thinking about using this organization for your insurance needs, I would think twice before doing so.

Yo, so I gotta tell ya about my experience with HealthCare.gov. I've been using their service for a few years now, and let me tell ya, it's been a real pain in the butt. Every year, I end up having to pay hundreds more for "income overages." Like, if I make just a little bit more than I reported, they hit me with an extra $400-700 at the end of the year. It's ridiculous.

But this year, I was in for a real shock. I was doing my 2019 tax return with a preparer, and up until the point where the program calculates how much extra I owe (or not, which has never happened), I was due a sweet $2,400 refund. But then, the premium tax credit calculation was done, and I lost that $2,400 AND owed the IRS another $700. Holy crap.

And get this, I was already paying $500 a month in premiums for this high deductible health plan that I got through the marketplace. I mean, maybe my math is off, but let me break it down for ya. It cost me $6,000 in premiums + $2,400 in a refund that got negated + $700 extra that the IRS hadn't grabbed yet = $9,100. That's almost $760 PER MONTH for a single person, high deductible health plan. Like, seriously, for that kind of money, I could have gotten a much better private plan outside the marketplace. Heck, I could have just taken the risk and insured myself!

So now I'm left wondering who to blame for this royal screwing I just got. Do I go after the IRS? Healthcare.gov? The insurance carrier? I'm pretty sure they'll all just tell me to go pound sand. And now I'm stuck with a choice: pay $3,100 or risk getting fined, having my property seized, or even going to jail for not paying. It's a real mess.

So let me give you some advice: DO NOT use HealthCare.gov. Whatever they tell you about what you'll pay when you enroll and what you'll end up paying at tax time is a bunch of bull. Save yourself the headache and find a better option.

So, I had a bit of a situation with Healthcare.gov. I found out in October that I couldn't get my employer medical coverage anymore, so I filled out the application on the website to see what my options were. After filling out the whole thing, I was told that I wasn't eligible because I still had coverage. The application had asked if I had coverage until December 31, and I said yes, but my coverage actually ended that day.

I called up customer service to try to sort it out, but the person I talked to treated me like a kid. He kept telling me that I didn't know what I was doing and that I had answered the questions wrong. I explained the problem four times, but he just kept insisting that I was mistaken. Finally, after 30 minutes of arguing, he apologized and said that the application was actually programmed wrong. Apparently, it wasn't asking the right questions about when my current coverage ended and when I was requesting new coverage. He said that nobody would qualify for coverage the way it was programmed.

I was pretty frustrated by this point, but he did some work on his end and I eventually got a new notice saying that I did qualify for insurance plans in 2022 and that I should qualify for a government discount. But even with that, the plans I was seeing started at $1300 a month and didn't cover much of anything. Plus, there were no providers within an hour of my home. It's pretty disappointing to see that this is supposed to be "good coverage" for all Americans.

Honestly, if I weren't a citizen, I'd probably be able to get better care for free. It's frustrating to see how difficult it can be to get the medical treatment and coverage that we all need. But I guess that's just the way things are sometimes.

I moved from Oregon to Michigan in May and needed to get new insurance. I worked with an agent who was really helpful and started an online application for me. But then the application wasn't submitted and I couldn't reach him for weeks no matter how hard I tried. It was time to enroll so I went into the website to select my plan based on what we'd discussed. Only I accidentally picked "Detroit Metro" and I do not live in Detroit Metro. After figuring out the issue when there were no doctors in my area, I went in and opened a new application for the correct plan. I should have changed the previous one but only found that out later. I got the correct plan a month later. But the old applications are still in there. Now, when I log into the website I can only see the application for the Detroit Metro plan. And, I keep receiving mail about the application the agent submitted, saying I "can't enroll at this time". I get two letters every month. However, THERE IS NO WAY TO ACCESS THE APPLICATION THAT IS TIED TO THE PLAN I AM ACTUALLY ENROLLED IN. I called the service line and they were absolutely no help at all, completely condescending and only giving me an option to Remove the old application and screw up my tax forms. I did it anyway since they could offer me no alternative to access my correct application, and it didn't even go through. They said wait 24 hours and check back. For a website service an entire country and be this terrible is a travesty. This is not an assault on Obamacare, I am for it. But whoever build this website was in way over their head and has no experience with information architecture. Our tax dollars shouldn't pay for this crap, and for all the agents required to help users navigate what should be a simple process. I never thought my insurance experience would be the tipping point to pull the trigger and get married but I guess that's what this has come to. So frustrated.

I live in Missouri and I recently had an experience with HealthCare.gov that I want to share. Missouri expanded Medicaid in August 2021, and I found out that if you have zero income in any given month, you are automatically eligible for Medicaid during that month. So, I applied through the HealthCare.gov website in mid-September and stated that I had zero monthly income. However, the website incorrectly told me that I didn't qualify for Medicaid and that I had to purchase a plan through the marketplace if I wanted health insurance. The cheapest plan I could find was $350, which was a lot of money for me.

A month later, almost two months after Missouri's new Medicaid rules went into effect, HealthCare.gov notified me that I was actually eligible for Medicaid backdated to September 1st because of the new law that was passed in August. I was frustrated because I had already spent $350 on a plan that I didn't need.

I called HealthCare.gov and explained the situation. After ten phone calls and countless hours wasted talking to them on the phone, I finally found someone who understood the problem and agreed that I had been given incorrect information. They escalated the issue to their parent agency, the Center for Medicaid Services.

A week later, I received a letter from the agency telling me that they wouldn't refund the money and refused to explain their logic. I tried calling and emailing them multiple times, but they ignored my messages. It was frustrating because I felt like I was being ignored and mistreated.

To make matters worse, a few days later, HealthCare.gov sent me an email telling me to enroll in coverage for the upcoming new year and that "4 out of 5 people find a plan through the marketplace for an average of $10 a month." This was a total lie and a scam, and it made me even more frustrated with the whole situation.

In the end, I learned that HealthCare.gov's programmers had been slow to update the website to reflect the new Missouri Medicaid rules, which was the source of the problem. I also learned that the agency responsible for Medicaid was not very helpful or responsive. Overall, I would advise caution when trying to get health insurance through HealthCare.gov. It seems like the website is run by a bunch of low IQ government stooges with zero accountability who are largely out to steal your money.

So, I recently moved from Oregon to Ohio and had to file a new application for coverage in my new state. Let me tell you, the experience was not great. First off, I was promised that my new application would be visible on my profile, but it wasn't. When I called in to ask about it, the agent told me that the wrong application ID was given to me by the original agent who helped me. Talk about frustrating!

But it gets worse. When I tried to search for the correct application ID, the website locked me out of that feature for searching "too many times." Seriously? And to top it all off, the pending application for my new state's coverage remained invisible to me in my profile. I was at my wit's end.

So, I asked to speak to a supervisor, and let me tell you, Gage Olsen was not helpful at all. He suggested that I create a new healthcare.gov profile for the state in which I now reside, but even after doing that, my new application for the new state coverage was still invisible to me. Gage promised me that from what he could see, my application was moving forward and I would have coverage by September 1st, but he wouldn't even mail me a copy of my application. I had to request for my case to be escalated to a separate team, and they told me they would call me back within 5-7 DAYS. Are you kidding me?

The worst part is that the supervisor refused to give me the escalation team's contact information or his own contact information. He also informed me that he couldn't give me a confirmation number for the case escalation because that number wouldn't be generated for several DAYS. This process is simply unacceptable. Dealing with someone's health insurance is not something to take lightly, and the customer service currently available is not up to the standard of care that should be given.

When I moved from Oregon to Ohio, I didn't have any other bank, credit card, utility, cell phone, or other type of account have this level of technical error. It's ridiculous that healthcare.gov can't get their act together. When someone makes a profile with healthcare.gov, it should be transferrable state-to-state. When someone calls in and does an application by phone for new state coverage, the pending application should be visible so that the person can log in, view it, and upload a PDF that proves that the former state is about to cancel coverage. And when someone needs assistance because the above is NOT WORKING, there should be real-time solutions, instead of red tape.

So, I had to call Healthcare.gov on July 5th to cancel my policy because my new job provided health care from the day I started. I was paying just under $500 a month for my coverage through Healthcare.gov/BCBS. I wanted to cancel immediately after I was positive that I was covered by my new job to save money. The representative informed me that he would put in the termination request, but it would take a few weeks to "process". July 22nd would be the actual day of termination. It's "policy" I was told. I'm thinking that in this day and age we are all using computers. Everything with the exception of maybe unclogging a toilet is done on a computer. I don't understand how processing this is more than just a mouse click away. Maybe communicate with the main office is only done using smoke signals or carrier pigeons or something? I don't know.

Anyway, I asked him what would happen as far as financial responsibility goes for the next 2 weeks that it was going to take to "process" my request. I mean, it's not my fault that it was going to take that long, right? Rightfully July 5th should be the "effective" date since that's when I called. I shouldn't have to pay anything after that considering I wasn't going to need the coverage. I would even go as far as to provide proof of my new insurance if I was asked for it. I must have been asking too many questions and pressing the issue a little too far because the representative had enough. He transferred me to a manager.

The manager gets on. The word "policy" is bounced off of me a few more times before he assures me that there was nothing that could be done. In the end, I was going to have to pay for that time between the day I called to cancel (July 5th), and the actual day "processing" would be completed and my coverage would be terminated (July 22nd). The total it will cost me for that time? Roughly $250.

I've got news for you. If that health coverage is going to be kept active until July 22nd with me paying for it, then we're both going to be paying. I already made an appointment to have a chat with my neurologist. Then I'm going to make an appointment with my primary for a full physical. I'm talking the whole package. Blood work and everything.

Thank you Healthcare Marketplace! Because of your "policy" I've been gifted 2 weeks to get all of this stuff done on your dime! I mean, I understand that there are policies in place for a reason, but it just seems like common sense that if someone calls to cancel their policy, it should be effective immediately. It's not like I was asking for a refund or anything. I just wanted to cancel my policy since I had new coverage. It's frustrating that I have to pay for something that I'm not even going to use. But hey, at least I can get some medical stuff done on their dime, right?

I recently had an experience with HealthCare.gov that left me feeling frustrated and dissatisfied. I had previously signed up for the program while living in Florida, but had since moved to Minnesota. When I called to reset my password, the receptionist who answered the phone was not particularly friendly and seemed to be in a rush. She asked me some patronizing questions and did not seem to be listening to my responses.

Despite the fact that I had successfully obtained health coverage through HealthCare.gov in the past, the receptionist was convinced that I was mistaken. She did not bother to ask basic questions that might have helped her understand my situation better. It was clear that she had not been properly trained to handle these types of calls.

To make matters worse, the HealthCare.gov website is incredibly inconvenient to use. When we tried to update my account information, we discovered that some of my login credentials were linked to my mother's details rather than my own. We tried to change this, but were unable to do so because the website was bound to all the wrong information. We were unable to change my address, phone number, or even my security questions.

Overall, I was extremely dissatisfied with my experience with HealthCare.gov. The website is difficult to use and the staff are not properly trained to handle customer inquiries. I would not recommend this program to anyone looking for affordable health insurance.

Did not get the check that was sent to me I believe it was robbed by employees twoyears ago today united healthcare insurance company provider did show up at my address with worry I think it's going to be a situation where it was planned 1300florida Ave NW Washington DC apt 103 the money wAs stolen from the insurance claim I was not paid and new it was coming would like to sue out of court and be moved for safety

I called healthcare.gov to cancel my Dental policy, and they canceled my Health policy! Now I have to wait 30 days for a case worker to contact me re: having it reinstated. In the meantime, I have already paid Blue Cross for the month. I can't even get a refund from Blue Cross. And I am without health coverage.

Here's the extra crazy part: Apparently my Health policy includes dental for my children. I DON'T HAVE ANY CHILDREN.

So when I called healthcare.gov to cancel my Dental policy (meaning the separate one that's for me and that I actually knew I had) healthcare.gov somehow thought that I meant I wanted to cancel this sort of weirdly embedded dental bit in my Health policy that I didn't know existed for kids I don't have - so they canceled all of my Health coverage.

I belonged on an account serviced by Blue Cross/Blue Shield of WY. I was on an account with my wife. The insurance has paid for services rendered and prescriptions this year. We started this policy after retiring and have paid ALL copays and deductibles along with premiums. My wife changed OUR address since we moved. At this time I was put on a separate policy my self, then CANCELLED! MY WIFE HAS BEEN ON THE PHONE WITH A DIFFERENT PERSON EACH TIME SHE CALLS AND HAS TO GO THROUGH THE WHOLE SCINERIO EACH TIME. Three weeks ago after contacting BCBS of WY, she was told that they had to receive the paperwork from healthcare.gov and it should be about 11 days. As of today, after contacting hc.gov and talking to a different person once again, I still do not have insurance. Healthcare.gov can not even answer why I was cancelled! Someone had to push the button to cancel me and does not seem to be held accountable. I have doctors appointments and medications that must be refilled. It was not my decision to cancel, it was theirs by mistake or otherwise. They still can not get me coverage even though my wife has submitted bills that were paid by BCBS of WY. I need help!

Submitted application 11/2020, they overwrote application adding $40k to income 12/17/2020. Called 01/2021 to figure out what happened. Each call they claimed I edutted my application which I said no. Then they told me it was a felony to lie about this and they could pull the phone records. I said please do.

I was put into an ARC investigation and they found out that I said everything to a T because I type all my conversations and they commited a felony. Resolution?!?! For me to redo my application. To this day only our toddler has insurance which is okay. According to Medicaid he also makes over $2, 000 a month, provided by Healthcare.

I called in today 8/11 to disenroll my daughter Amelia Pinés from the plan effective 9-1-2019 bc she is now eligible for Florida KidCare starting 9-1-2019. I asked the First Lady doing the application to go over the sob to go over my copays in which she hung up the phone on me. I called back and the representative told me that she disenrolled her today! I did not request her to be disenrolled today but on 9-1-2019. Now my daughter has no insurance which is a huge problem. The manager Shannon Miller had no sympathy to my situation and did not even care her rep hung up on me and disenrolled her for today instead of 9-1-2019. I would appreciate for her plan to be reinstated ASAP and disenrolled effective 9-1-2019 like I requested in the first place for Amelia Pinés dob 3/7/2017, ss# [protected].
Please contact me at [protected].
Thank you,
Amy Ashmore

I called in on August 11 2019, to inform them my daughter was eligible for Florida KidCare and wanted to disenroll her from bcbs of Florida the select plan effective Sept 1 2019. The representative said ok we have many questions to go through but that's fine. Once we got to the end I asked her to go over the copays for me and she hung up on me after a 45 minute phone call. I called back, spoke to another representative who told me that my daughter, Amelia Pinés was disenrolled effected today. I never told the rep to disenroll her today. I told her Sept 1 2019. Please pull the tape and review the call of that and also when I asked her to go over my copays and she hung up on me! This is not acceptable. I would like my daughters bcbs select plan reinstated for August, disenrolled effective sept 1 2019 like I requested please.

I enrolled in Christus health plan through Healthcare.gov for our family.
My Name: Bhavana Palreddy Member Id ([protected])
SPouse: Paranjithreddy Patlannagari Member Id ([protected])
Son: Venkat Arush Reddy Patlannagari Member Id ([protected])

Basically, After I enrolled in 2019 Health Insurance. I made 2 changes.

1)I updated the primary subscriber to my name Bhavana Palreddy instead of my husband name Paranjithreddy Patlannagari .this change (I did this change very long back 2 months ago. But Christus people are saying that they didn't receive this information. But healthcare.gov confirmed they sent over the information). Here I don't understand why the Christus people didn't receive the information yet.
2)I removed my husband Paranjithreddy Patlannagari Member Id ([protected]) from my insurance plan on Feb 20.

On healthcare.gov, Bhavana Palreddy Member Id ([protected]), Venkat Arush Reddy Patlannagari Member Id ([protected]) has active insurance. For confirmation please see the attachments. Eligibility Notice & confirmation screenshot from healthcare.gov which was showing my name and my son's name.

1)I am trying to talk to healthcare.gov and Christus customer care from Feb 20 to resolve this issue. But still, the problem is not resolved yet.

2)Healthcare.gov people confirmed that they sent over the information with changes and Christus should receive in 2 weeks which is March 6. It is already passed the date. but still Christus did not receive the information and I don't know who can help me with this problem.

3)Almost I was calling every day to Christus and Healthcare to fix my problem. Only one thing I heard from both of them HEalthcare.gov said they have sent over information with the changes on Feb 20 itself Christus should receive in 2 weeks. Christus is saying they didn't receive information.

4)Christus has escalated this issue twice so far to their higher department to see the eligibility but there is no use. Christus said they submitted one more request. and told me to call you again next week to see whether you they received update or not.

I am not all satisfied with Healthcare.gov and Christus service and your customer's service representatives negligible answers. Ever in my life, I won't take health plan through healthcare.gov. I did a very big mistake can someone please help me who can resolve this issue and It is not my problem.It is completely your system system/process problem. For this whom I need to contact.

5)Healthcare.gov is saying this month I am only due for 616.07 and that you can see in the confirmation attachment and in last months bill also I owe a refund of around $100+. So this time Unnecessarily, I don't want to pay the extra bill again which is $999.And Christus confirmed over the phone until the issue is resolved I can resume this months insurance payment and it won't terminate my insurance.

Can someone give some hope on this at least I and my son need to have active insurance? And this is a technical problem someone should be in the middle to handle this kind of problems. Both parties are simply saying that that is not their problem.

Christus is saying that until they receive any kind of information from Helathcare.gov they cannot do on this to fix my issue.

Please help me to fix this problem. I don't know whaom I can contact on this. That is the reason I am emailing you and hoping for some solution.

Christus and HEalthcare.gov should sort out this problem and you guys have rules that you cannot talk to the third person on the call and how this problem can be fixed and I can't keep on calling you forever for this. At least you guys should have some channel to fix this kind of issues between you both of them.

I have never asked for information or want this healthcare marketplace calling me. I have blocked over 200 numbers and even called Sprint to block all incoming calls from New Jersey area code. I am being harassed amd do not appreciate that i have have asked numerous times to not be called and I am still being called, this is absolutely ridiculous. I have included my call block list that shows all the numbers that have called me from this company. I should not be afraid to answer my phone in fear of being harassed by this company. I want this to stop! I will be contacting my lawyer as well, this is just out of hand.

I have submitted the denial letter from medicaid and they keep sending me letters saying they need documents. There is nothing else to send. Then they say I will have an extra two weeks. I dont need more time to send the same thing again. You cant speak to a caseworker to find out the problem. They say someone will call you in a couple of days. Of course I always miss the call. It should have been taken care of weeks ago. I think they stall so they can deny you.

I have told them not to call me anymore. I keep getting repeated phone calls from them all day and all night. This is harassment. They keep calling from different numbers and when you tell them to quit calling they hangup mid sentence. After this experience i don't want anything to do with this and will seek health insurance elsewhere. If it continues i will contact the state and file harassment charges.