healthcare.gov

My husband lost his job so we were eligible for the special enrollment. Spent over 2 hours filing out the application. 2 days to decide which crap policy to choose. When I finally go into choose the one the site is down for maintenance. Next day I try it again. Upload my documents. Call the insurance company to pay. Then after all that I find out it only covers me. Not my family. So I call because I put all that info in. I get the most unhelpful, unfriendly rep who basically tells me something happened with the website update. Great. Fix it. Only they can't because it's been processed. She finally hung up on me because this is ridiculous and I told them why should I be punished for the website issues. So after I lost count of how many phone calls and not getting anywhere they will set the rest of my family up on all separate policies. But couldn't tell me why it was that way. So basically I have a policy on myself but can't afford one now for the rest of my family. They refuse to fix this mistake. Hopefully this doesn't screw up me getting on my husband's plan at work. This is a complete nightmare that has the possibility of costing me tons of money. I should have just took the fine. Worst ever. They can even see where I had all my family's info entered. It just wasn't included. I can't get my money back on the other policy and now since I have it and can't get rid of it I can't afford insurance for them. I can not stress enough to just take the fine if you are in between coverage.

I ask them if I get hit by a bus and they take me to the wrong hospital I am stuck with 50% of the bill? They said YES for 800/month with a 7500 deductible. But illegal aliens get it FREE!

I got laid-off from my job about a mouth ago and I called for Obamacare and I have to pay to get Insurance coverage. I thought Obamacare was supposed to help you? I paid my Taxes and I still have to pay for Obamacare? I should have free Insurance daring my job loss! Not paying for something that I cant afford during this time. WHAT THE HELL IS WRONG WITH ARE COUNTRY! You idiots that voted for Barack Obama, Thank you, you $#*!ing idiots! Now I'm going to get penalized for something I can't afford right now but people that don't work get hand out for everything what's wrong with this picture?

It was never disclosed to me that during tax time that I would need to pay IRS thousands of dollars!
The Market Place has been a nightmare for me!
Poor customer service and not disclosing that at
Tax time you will pay thousands of dollars!
I am too young for Medicare, another year to go and I thought This would be good for me and my
Adult son and help us BUT it was a financial nightmare! I cancelled it and their processing took a long time, and it cost me more money!
Please do not use the Market Place, for you will be paying the IRS thousands of dollars and owing the IRS money! I use to get a great refund at tax time but when I did the Market Place, it turned into a big nightmare! Avoid the Market Place!
Yes you will have small premiums but you will pay thousands of dollars at tax time!
It was a financial burden to me at tax time
And a nightmare and harsh experience for me and my precious son!
I wished I had known this before I signed up for
The Market Place at Healthcare. Gov
I hope this helps others

I did well on this program for 2 years but when I had a life change it snowballed a series of financial issues that cost me thousands, not to mention losing Health Insurance for over a year, because they didn't get any of my information to Blue Cross right and overlapped coverage and I was denied for 5 months, so I gave up, told them in Dec. 2017 to just stop trying to fix what they messed up. It's now June of 2018 and I just got a letter from them today denying coverage for the entire year of 2017. I called them today to ask why and they said the letter voiding out the 1095-A is wrong, and the man I spoke to Michael General was not professional and did not know how to help, kept apologizing for what trouble I had last year but assured me over and again that the letter sent was a mistake of some kind or I was misreading the letter. I am a diabetic and have gone for over a year now with no Dr visits and medicines, my health is poorer than it's ever been and this company is still giving me grief, denying me service and proper intelligible help.

The website is a joke - I couldn't get on to create an account and no one could help me with that so I talked to multiple representatives and finally got something set up. A couple of weeks later I reported a change of income which pushed me into a much more expensive option in the silver plan. When I said I wanted to go with the bronze plan they told me I couldn't. I have an appeals filed but God only knows how long it'll take to hear back from that, if I ever do. I was getting billed for a plan that I no longer qualified for because of the change of income, so I called again and a very rude young woman who would not stop talking so that I could explain my situation told me that I had to verbally tell them that I needed to cancel a plan that I no longer even qualified for. When I tried initially to create an account on the website and put in my information including my assumed entire income for the year I was able to qualify for a bronze plan but once I gave them updated information - which was exactly the same amount as I had done online, suddenly I was only able to qualify for a silver plan. So now I'm without insurance completely - thanks so much Mr Obama.

This is a licensed scam for health care insurance. The fact that you don't have health insurance is one thing. The other is the fact that you pay out of pocket for health care when you don't have insurance, but get fined by the IRS for not having it. This is completely the most stupid thing that has come out of this government. I have to pay a deductible higher than what I would have paid a doctor all year for may issues. SCAM ALERT...

My medical bills including medication that i paid this year 2015 was $2340 for my family of 4 because I don't have health insurance. Not to mention the Fine I have to pay at tax time for 2015. The deductibles alone for this Heath care market is $******* annually. Before all this BS getting a basic plan for health care was cheap and covered pretty much everything except maybe a $3000 deductible. Thanks ObamaCare for screwing up another financial matter.

UPDATE: Just looked at the plans for 2016... What a joke all plans cost are over 975 and nothing is covered until a deductible is reached of ******* or more. Is this a Joke? Only 60% of any injury is covered and the rest out of pocket but you have to pay MOL $1000 a month for the plan. The Joke is they want to up the premium to a better plan so you can pay less for co-payment. Who wants to pay $0-5 co-payment instead of $15 co-payment with an increased premium of $130 a month. This is a Joke if you tell me.

In my previous years of using their service, I have always had to pay hundreds more for "income overages" If my income was a little higher than reported they'd charge me anywhere between $400-700 more at the end of the year. However, doing my 2019 tax return with a preparer today I was in for a shock. Now, up until the point where the tax program calculates how much extra I owe (or not, which has never happened) before the premium tax credit calculations, I was due a $2,400 refund. Once the premium tax credit calculation was done, I lost the $2,400 AND I owed the IRS another $700. Holy S***.

Now get this, I was already paying $500 a month in premiums for this high deductible health plan that I purchased through the marketplace. Maybe my math is off but this is what I cost me to have health insurance that I couldn't use for 2019. $6,000 in premiums + $2,400 in a refund that was negated + $700 extra that the IRS hadn't grabbed yet = $9,100. That comes out to almost $760 PER MONTH for a single person, high deductible health plan. For that kind of money, I could have bought a much better private plan outside the marketplace. Heck, for that kind of money I could have taken the risk and insured myself! So who do I speak about the royal screwing I just got? IRS? Healthcare.gov? The insurance carrier? They'll tell me to go pound sand. So I pay $3,100 or I get fined, get property seized or go to jail for not paying. My advice. DO NOT use this service. Whatever they quote you for as to what you will pay when you enroll and what you will end up paying at tax time is patently FALSE.

Not only did a representative named R. Martinez just hang up on me bc he couldn't answer my question, I had asked other questions he ignored. I was trying to enroll for 2022. The plan he recommended was $687 a month. That was for me only and I'm not working or receiving any kind of benefits or income. Wow! In August I applied for 2021. Within 3 days of applying I was in emergency surgery for diabetes, plus had Covid. I called them back to see what else I needed to do. A woman told me I had been enrolled with Ambetter and there were no cost to me. I was good to go! A month in a half later I'm still on the hospital with Ambetter covering the cost. Then they tried to transfer me to a physical rehab and Ambetter said they terminated me for nonpayment. So I called Ambetter and explained I was told no cost but was willing to pay whatever I owed. They put me on hold then returned and said I never had insurance with them. Myself and the hospital case worker asked how that was possible when they had been covering me until then. They said I never enrolled and should call the Healthcare Market back. I did. Several times. They just kept saying I needed to call Ambetter. All they did was keep telling me to call the other back. I even gave the Healthcare Market the date and time of the phone call confirming I had insurance. They never checked into it. Even talked to 2 supervisors. Nothing but crickets. They're not even functional. I gave them a 1 because there's not a 0.

I had to verify my identity after completing the application. I told this to the rep several times. It took her 30min to realize that she wasn't able to confirm my identity. $#*!ing idiots!

I've been trying to change my address with healthcare.gov and compasspa for 2 years. Twice online and twice over the phone. The last time over the phone in April i asked the caseworker why my address keeps getting changed back to the wrong address, the agent assured that it was definitely changed and "made sure it will stick". Come July I find out my insurance lapsed due to a missing document (which I sent), they must have not received them but instead of calling me they mailed the documents to my neighbors who were on vacation. By the time they get back and give me my mail it was past the due date and they claimed they cannot do any thing because the case is closed, and to re apply or submit a fair hearing form. They told me that its faster to submit a brand new application and to do it online. The online portion is currently not working and im having log in failures as well as not being able to upload any documents to them and requires to be mailed. With a surgery coming up in less then 2 weeks i find out i have no insurance because they once again failed to get my address right and mail it to the right place after tryin to change it 4 separate times over 2 years. When I asked why this is so hard to do or change they said they dont know and have no record that I ever tried to change my address.

DONT GET ME WRONG. I WAS AT FIRST for HEALTHCARE. Starting out at only 15.00dollars amonth now104 dollars a month i live from pay check to pay check last YEAR. I payed for blue coss blue shield. Of texaz and all the did was offered me doctors who were no longer in practice. They rip me off i finally. Just gave up now community first insurance you have to pay in advance. One. Month a head of time. There was no mention of this when i was signing up i cant afforded that. So THEY ARE GOING TO. DROP ME RIP OFF

God help you if you've been a hard working American your whole adult life then try to get insurance when you no longer can work.

The worst, no empathy, compassion nor did they care at all in helping resolve the issue. I filled an appeal, we shall see.

THE EMPLOYEES DO NOT KNOW WHAT THE HELL THEY ARE TALKING ABOUT! EACH ONE TELLS YOU SOMETHING DIFFERENT AND THEN EVERYTHING IS SO SCREWED UP. THE BIGGEST HEADACHE EVER! STAY AWAY FROM THIS PLACE!

Worst Customer service ever. Michael Rose probably should find a different job that doesn't involve talking to people. Rude a. F.

Absolutely rude and poor customer service. They have no issues hanging up on customers. Save yourself the trouble and pay cash

All lies. If you do your homework you will know. Just because they promise to help, doesn't mean it's true

All I asked was for a refund in April for overlapping coverage and they cancelled my entire dental policy.

I spent the hall day to contact them but no way. Just music then nothing they cut off the line. One is too many for them.

One of the worst customer service experiences I've had. People on the phone service are manipulative or at least don't truly care about helping you.

This insurance plan is the worst plan ever! If I would of stayed in my so called network I could be dead by now, My network doctors missed the cancer in other areas of my body, the in-network said I was stage 2 colon cancer, the doctors in my network wanted to remove everything and give me a permit colostomy, I reached out and found a Doctor at Mayo Clinic that could perform the surgery without a permit colostomy. When I got there they found the cancer was in other places in my body, Mayo Clinic said this was a fast growing cancer and if I did not get treated I would possibly be gone by this fall. Since I went out of network, Anthem Blue Cross will not pay for the surgery or any of the testing done at Mayo Clinic we now have a $100,000. Bill at the clinic our insurance will not pay because I choose to go to a Doctors and hospitals who gave me the best care I needed for my situation. We pay $1200 a month for 3 in our household, and $6500 deductible per person. It is sad we can not choose our Doctors and hospitals we want to go to all due to the Obamacare Plan.

Changing your address seems clear and easy online but that is not what happens. I submitted a life change and applied for insurance in my new state. That did not cancel my insurance in my old state nor did it actually change my address. When I kept getting mail for my new insurance at my old address, I called the insurance company to get it fixed. I had to be transferred to the marketplace to change it through them. At some point, my new insurance was cancelled and it was being reinstated in my old state. Extremely confusing for no reason and nobody was able to fix it. After being on the phone for 1 hour and 46 minutes, talking to 3 different people, and still not understanding why this change of address turned into mess that it did, I just cancelled everything. Then the customer service rep began gaslighting me telling me how easy it was for people who were trained to use the website. I AM NOT TRAINED! I AM A CONSUMER! CLEARLY IT IS NOT SO EASY! I'm beyond frustrated and upset, especially at the way I was treated and talked to by the last rep.