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healthcare.gov

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Overview

healthcare.gov has a rating of 1.6 stars from 383 reviews, indicating that most customers are generally dissatisfied with their purchases. Reviewers complaining about healthcare.gov most frequently mention customer service, insurance company, and market place problems. healthcare.gov ranks 15th among Affordable Care Act sites.

  • Service
    92
  • Value
    86
  • Shipping
    35
  • Returns
    40
  • Quality
    77
Positive reviews (last 12 months): 12%
Positive
3
Neutral
0
Negative
22
19
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How would you rate healthcare.gov?
Top Positive Review

“Satisfied customer”

Laura T.
1/28/24

I was trying to pay my premium was getting no where with Ambetter my insurance through marketplace, I ask for a supervisor which was Janae Taylor, she went step by step,was very understanding and compassionate about my problem. My husband has cardiac issues and we're in the middle of procedures so I was in a Panic to get this straightened out. She was AWESOME! Kudos to Janae!' For outstanding job well done!

Top Critical Review

“Form 1095a”

Deb R.
3/8/24

My first year on MHS Ambetter and trying to do my 2023 taxes, I found out that I need to have a 1095a form, which I never received via mail or email. I can't even get on the Ambetter MHS website to print the form, because it sends me to the healthcare.gov website. When I do there, it only allows my to renew my 2024 application, can't look at my current application without an ID code, which I have no clue what that is. Can't even go to a "menu" to look for my 2023 forms. Now I'm on the phone with healthcare.gov, waiting to speak with someone. Go figure that the US government has to be this flipping difficult. I unfortunately retired early and needed to obtain insurance. What a huge JOKE! I hate this marketplace, Obamacare crap!

Reviews (383)

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Reviews that mention popular keywords

health insurance (78) customer service (63) market place (24) insurance company (35) health care (32)
Thumbnail of user lairdb
Virginia
1 review
1 helpful vote
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January 3rd, 2018

Cannot believe this is their attempt to "help" those who cannot be provided insurance through work or other avenues.

Regardless of whether a plan has been selected or not, they will spam you with emails stating you need to pick one. Which you can imagine will cause confusion. Causing you to log into their website that works maybe half the time. So then you have to call and deal with their customer service representatives who hate the Obamacare initiative as much as you do.

If there is any confusion or gap in your plan at all, they say they chose the closest plan to what you have but then it's double in cost and then they explain that you can choose another, which is what you would've initially chosen had the system not picked the most expensive, pulling money from you.

It is a poorly run system that is also a poor excuse for an option to help others.

Thumbnail of user racheln333
North Carolina
1 review
6 helpful votes
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April 20th, 2022

Awful experience canceling insurance. Ended up being billed for an extra month because I did something wrong on the site when I attempted to cancel insurance. Customer service won't help you if you make a mistake. Insurance companies state they are bound to what happens on the exchange. Just more consumer gouging from insurance companies. Healthcare in America is only for the wealthy.

Thumbnail of user rogerf27
New York
1 review
5 helpful votes
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September 6th, 2016

Obama lied about this, in 2 years I have had 3 new doctors and on my second insurance company due to them pulling out of the marketplace. I am not going to sign up for any of them for next year. I feel that the idiots in Washington have really screwed up this time. Seams like more insurance companies are going to pull out. Looks like I will just pay the penalty next year.

Thumbnail of user barbaraw455
Illinois
1 review
2 helpful votes
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November 19th, 2019

So far so good, dismiss any negative hear say, stating that you will have to pay the government back, after tax filing. This is only true, if you lied about your annual income, being much more than you stated during enrollment.and if you get a raise, rasing your annual income, you should call the health market place, and inform them.

Thumbnail of user joshw267
Georgia
1 review
5 helpful votes
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February 1st, 2021

They cancelled my dental coverage without my consent and refused to add it on. Told me I needed to wait for open enrollment again (a whole $#*!ing year) which is bull$#*!. They make it to where you can't get dental without it and wouldn't add it in after THEY Took it off. Now I have no health insurance what so ever

Tip for consumers:
Your better off uncovered

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Thumbnail of user bc80
Oklahoma
4 reviews
9 helpful votes
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June 7th, 2019

I went on the website just to see what I qualify for... I hear with my income I should be covered completely free because I make so little. I used a calculator which required me to enter a phone number and since then I received dozens of calls a day, and texts. I did not agree to be spammed like this! One agent told me that as soon as I entered my info on the calculator it was made public. I'll probably have to change me number now, as I'm already on the National DMV and still getting spammed!

Thumbnail of user shanm16
North Carolina
1 review
1 helpful vote
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March 16th, 2019

Here you need help let us help you get insurance, since now... you have to. Oh then lets take most of your tax refund because we "helped" you get insurance. I would have rather gone with out and taken the ding. This is what happens when you let too much government help (scam) you.

Thumbnail of user debc38
West Virginia
1 review
2 helpful votes
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June 19th, 2017

Tried to sign up due to losing my job which was downsized. It is so expensive that I can't afford it and the medicine I am on will only be covered for 50% which is leaving a hefty bill I can't afford. I wanted something to help people not hurt so bad. Can someone who doesn't make over 6 figures please review these amounts so people making normal wages can afford this.

Thumbnail of user marilync402
Florida
1 review
1 helpful vote
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July 8th, 2021

CSC's are very helpful in my experience. But the plans are CRAP! Period! Nothing is paid for unless deductible is met which is $8,500 min. I know of people that are lazy ( choose not to work) and do drugs on these programs and get 100% coverage with no out of pocket cost and ALL FREE top quality medical Free, Free, Free... The gov needs to clean up these programs! BIG FAT JOKE! And why do they have these rating? They dont read them or following up by changing anything. The plans change every week kinda like a gas station changing prices just because they can. Also why in the F*%K do we have the middle man like these to ROB US. We need a programs to pay our bills out right to medical business and quit robbing us like these ins companies!

Tip for consumers:
RUN RUN RUN the other direction.

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Thumbnail of user marilynf
Illinois
20 reviews
100 helpful votes
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July 3rd, 2010

This is the government portal that was part of the passage of healthcare reform, and it is all I hoped it would be. As Move On says, it's "a new online portal where anyone can go to find insurance options in their state, went live. It's a very handy resource for information that used to be difficult to find. It's available to help millions who need insurance find it, and as a resource for those who want to shop around for new options or find out their new benefits under the new law." Check out Hospital Compare on the site to check the quality and safety records of U. S hospitals.

Thumbnail of user kimo20
Georgia
1 review
6 helpful votes
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August 6th, 2015

Why do the representatives( of Healthcare. Gov) who take applications not tell the applicants that they will have to pay all of the money back at tax time? Why do they not tell you that you will be automatically enrolled ( without your permission, acknowledgement - or notification)? Ten phone calls over a years time to resolve a simple issue, and they tell me the same thing, "You should receive a call from a case worker, and a letter in the mail." They tell me they sent letters every time, yet I have received no such thing, - so the truth is, that is a lie they tell you. They also told me that their system automatically logs all calls, but, yet - conveniently, the first of my calls never happened. This whole thing in a nutshell - it's the biggest insurance scam in human history. My advice; Do not enroll in the marketplace healthcare system, and find your own insurance provider.

Thumbnail of user stevenm183
Florida
2 reviews
0 helpful votes
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May 29th, 2017

Who is running this site a 5 year old? What junk! In this day and age they cant even get a basic site to run right! Take our money, hustle us with obligation then give us horrible service thanks guys! You need a team of attorney's and an accountant with a cpa to get through this garbage! Horrible horrible horrible!

Thumbnail of user ontarior1
North Carolina
1 review
0 helpful votes
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April 16th, 2020

We dread calling because we have never gotten our issues taken care of. I got Lisa Fisher and let me just say that she is the sweetest representative we have spoken to yet. She made sure to make sure we had everything taken care of and treated me like we were friends and not just another phone call. There needs to be more people like her.

Thumbnail of user traciz1
North Carolina
1 review
2 helpful votes
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August 15th, 2017

Fix your site! Your site is not updated and include a place to make payments to this crappy Insurance that I was told have to go to their site to pay. I think you folks ought to go on Obama Care rather than sitting up their high and mighty in London, KY.
Nobody and read and comprehend let alone have critical thinking skills. Marketplace always need more information but if they would read they already have what they resquest!

Thumbnail of user johnp605
Illinois
1 review
3 helpful votes
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September 5th, 2017

Started to receive coverage from new employer. So i terminated my policy on the website since I kept getting disconnected when trying to cancel over the phone. I then realized that the termination date was set for the following month after an automatic payment was deducted from my account. Called to change the cancellation and they said they can not change termination date if it was done online, only if it was done over the phone. Also, said there is no one that can help and no one to transfer me to, was very rude during the process. Spent an extra $512 on coverage I did not need this month. Spent hours on the phone trying to get someone to help, no one knew how to fix this problem, which should have been an easy fix.

Thumbnail of user mv51
Texas
1 review
0 helpful votes
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June 10th, 2017

Called because I lost my job 2 Mos ago. Rep said policy was cancelled as of the day of my call. Hot a bill 1 week later. Called and was informed that policy was not cancelled and would take 14 days from today to cancel. Asked the rep to read the notes from my initial call 10 days earlier. Notes clearly stated I was calling to cancel due to loss of income. Asked for a supervisor. Supervisor said he would TRY to retro act the cancellation. Asked if he was able to review the recorded call. Supervisor said 'maybe'. Also imfomed me that if i cancelled, i could not enroll again until Nov and would get a fine for no ins. This place is ridiculous. Every person gives different info. Probably will still get billed for this policy. And good luck with the website. I found it easier to wait on hold for 30 min and talk to idiots and liars.

Thumbnail of user beckyh29
Iowa
1 review
3 helpful votes
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December 8th, 2016

Not hard to enroll through the site. But issues after the fact - there is little help to be had. Healtchare.gov has me in one plan. The insurance company has me in another. Insurance company sympathizes, but can do nothing as Healthcare.gov drives all the data. Healthcare.gov can't help. May help in 30 days, but, I am told, it's not their problem. So, if your enrollment goes smoothly, I congratulate and envy you. If you stumble during enrollment, you have my deepest sympathy.

Thumbnail of user erics241
North Carolina
1 review
4 helpful votes
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August 10th, 2017

As if health insurance was not difficult enough. The geniuses at the government decided to make the process almost impossible to navigate. There is nothing the government can't make worse by getting involved. This act also went against the will of the people. The only way the Supreme Court could justify its existence was to call this a tax. This is taxation without representation and is not what this country was founded on. Taxation is leagalized theft performed by brainless bought and paid for thugs in congress.

Thumbnail of user michaelm8027
Florida
1 review
24 helpful votes
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November 7th, 2021

You've got to be kidding me. The cheapest coverage for me is $800.00 a month. So two weeks of my pay on top of my $900.00 a month rent. So another two weeks of my pay. That leaves me 0 left for my $300.00 a month auto insurance. I am at $2000. 00 a month without paying any bills or putting any food on the table. What the hell is wrong with this country? Who the hell can afford to live anymore? Insurance is out of control! Something has to give soon or we are all in trouble!

Tip for consumers:
Why I don't qualify for free or cheap insurance like I keep seeing and hearing about.

Value
Thumbnail of user adamh132
Florida
1 review
14 helpful votes
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November 14th, 2017

I haven't had insurance in over a decade because my employers never offer it
(I've always worked with small businesses). So after getting screwed by the penalty two years in a row I finally decide to give it a shot and apply for Health Coverage using HealthCare.gov. What an absolute waste of time. After all the time I spent filling out the information when I finally get to the marketplace I look at the plans and the cheapest plan is nearly HALF MY INCOME. I'm sorry. I'm not about to sell my house and give up paying my mortgage just so I can have health insurance. I thought it was supposed to be AFFORDABLE healthcare!?!? It's a joke. Completely and utterly ridiculous. This is an absolute plague on the American people.

Thumbnail of user liac4
Florida
1 review
5 helpful votes
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March 21st, 2016

It is impressive how incompetent the customer service is at healthcare.gov. I have made 5 phone calls to get my named spelled correctly on my insurance card, and still is spelled incorrectly. I'm flabbergasted. This is a simple task. I am currently locked out to acess my application, and customer service could not unlock the account even though the website says to call customer service to unlock.

Thumbnail of user robertg685
Texas
2 reviews
5 helpful votes
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August 31st, 2018

We have had Obama Care for nearly 3 years. It is overly expensive and offers poor coverage for the price. This year our insurance was cancelled in mid May for no apparent reason. We fully pay our insurance at the beginning of each month. May was no different. My wife tried to use our insurance at the end of May and found it had been cancelled. We learned it was for non-payment but payment was made. The insurance company finally agreed and refunded our money but could not reinstate our insurance. We appealed but still do not have health insurance (after 3 months). Obamacare is an expensive and horrible program run by a bunch of incompetent fools.

Thumbnail of user herbstschule100
Georgia
1 review
4 helpful votes
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April 23rd, 2023

Called on behalf of a client and the representave told me I sounded like a robot and would not answer my inquiry. I assured her I was not a robot and she hung up on me. I had no idea such a comment would hurt so much, but I have battled bullying all my life for my monotone voice and can't help it. I called back ready to give a harsh review on the survey but this time a man answered all my questions in about 2 minutes. I know what ethnicity/race the first lady was but I'm not allowed to say it. Robot beep bop boop stupid humans.

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Thumbnail of user heidim22
Oregon
2 reviews
16 helpful votes
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December 4th, 2023

Got on the website to get a quote and man what a mistake! Calls starting from 7:56am the following morning and over 100 calls the first day! That was last week and I am still waking up to 20 missed calla today! The quote I was given was not even a good deal or affordable so now I have no insurance and am being harrased by calls. Do not waste your time!

Thumbnail of user nicolep315
Oregon
1 review
2 helpful votes
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January 6th, 2020

I called in on 1/6/2020 to change my address. I wasn't able to do it through Providence. I was told i had to go through the market place. What a disaster. Of course it wasn't an easy change. I had to 37 mins 8 sec in order to change my ADDRESS! And on top of that i get someone who cant even understand. It sounds as if they have a mouth full of marbles. I ask for a manager and i got Dawn! Now Dawn is Just like the Karen videos. As i frustrated customer just trying to change my address her approach to calming me down is to be abrasive and condescending. If i could have pulled this snot nosed millennial through the phone i would have. Beyond pissed that we already have to jump through so many hoops as it is then to have deal with these self entitled brats that think that it is ok to push their own snot nose agendas. Her tone and approach was appealing. Hey Dawn, you take some soap to that mouth of yours. Just saying. Now to continue with my day as i stew on the witch's words.

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The official website for the U.S. Government's federal health insurance marketplace, as described in the Affordable Care Act of 2010.

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