healthcare.govReviews 383

I see all these commercials about people paying $49 and even $0. Mine was going to be almost $600 for just ME! I guess I need to be on Medicaid to get free health care! I would give it 0 stars if I could!

Commercial says hey I got covered me and my family 60$ a month. I'm single can't make ends meet and my cheapest plan according to website is 400$+ a month. And it doesn't even cover my medications. Will go without taking my medications I guess.

The agents you get to talk to after an inhuman amount of wait time know absolutely nothing! They simply read off a horribly long script. I asked one person if my coverage gets auto renewed next year. She puts me on hold for ages then comes back and reads a script which went on for ages, so I had to stop her and say, hey, chill I don't understand a word you are saying and its all just legal BS. STOP! So she stopped and I asked her my question again and then she read what it said on my account which is general and doesn't explicitly say if my coverage renews or not info that I can already see. So I had to keep saying "yes I can read too, but I need to know if it renews" and then she finally just gave up and said no it doesn't. So why in all that is holy didn't she simply just F%$ing say that 45 mins ago? I mean I know exactly why but it is an unpopular opinion with woke/gen Y and Z people so there is no point explaining the truth, we'll just say that this Marketplace it is an extremely incompetent and unhuman process that has no competition so why do they need to make it better? Same with all Govt services, the lack of competition makes them absolutely useless and unbearably frustrating. As much as I am begging for national healthcare, This certainly is where capitalism shines. Imagine if the govt gave us national healthcare and then ran the show like this... I'd be begging for private insurance again lol

I used this site to find insurance. I found and started s policy. I then received 83 calls before 9am on Sunday morning. As of 1pm Monday I've had 42 calls. All my messages and responses letting them know I have insurance has not stopped the calls. They offer no recourse to have calls stopped. To avoid dealing with this, DO NOT USE THIS SITE!

The site promises to have an affordable plan. I have applied for a 70 y. O. woman as a helper in a community center. The poor woman in the state of VA had to pay a minimum of $1330 a month.
The lady, according to the files that I had to provide for the site has practically no income and lives off her family and some savings. There is nothing "affordable" in Obamacare.

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.

Went on the site just to get a quote. As soon as I submitted my info I got a call from a agent who connected me to another agent. He was extremely pushy about when I could start coverage and how much could I afford monthly. He didn't even explain any plans he just wanted to get right down to the money. He hung up on me when I said I would want my coverage to start the 1st of the year. Shortly after the lady that called first called me back and claimed that was her first time calling me! OMG it was a total game. I asked her to remove me from the call list ASAP. I do not recommend.

Just spoke to A "Gabrielle". She got upset because I looked up reviews... SMH. She asked if i "just wanted to waste her time. Are you kidding me? Her phone# or what she gave me is *******338

I've never applied but got charged 700.00 last tax season called them to tell them I never wanted it & I'm still getting mail from them asking for income proof that I dont send cuz I don't want it & thats what they did last year it says you will get disqualified if you don't reply but dont be fooled they still enroll you then hit you with a fine for insurance you didn't know you had nor used STAY AWAY FROM THESE PEOPLE

I live in Missouri which expanded medicaid in August 2021. As I figured out later on, the new rules say that if you have zero income in any given month that you are automatically eligible for medicaid during that month.

I applied through this website in mid September and said that I have zero monthly income. The website incorrectly said that I didn't qualify for medicaid and that I must purchase a plan through the marketplace if I wanted health insurance so I did and the cheapest plan was $350.

A month later which was almost two months after Missouri's new medicaid rules went into effect, this website notifies me that I'm eligible for medicaid backdated to September 1st because the new law was passed in August.

I called them and said that they need to refund the $350 for the plan I purchased because they incorrectly told me that I didn't qualify for medicaid when I first applied.

During this process, I figured out that their programmers dragged their feet on updating the website to reflect the new Missouri medicaid rules which was the source of the whole problem. The website was supposed to reflect the new rules on September 1st but they didn't update the website until October 1st.

Ten phone calls and countless hours later wasted talking to them on the phone, I finally found someone who wasn't totally clueless and they agreed that I got screwed over so they escalated it to their parent agency the Center for Medicaid Services.

A week later I get a letter from this agency telling me that they won't refund the money and refuse to explain their logic as to why. I tried calling and emailing them multiple times afterwards and they ignored my emails and voicemails (because they won't let you talk to a real person).

Then they had the audacity to send me an email a few days later telling 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" which is a total lie and scam.

In short, this website is ran by a bunch of low IQ government stooges with zero accountability who are largely out to steal your money and I advise great caution in trying to get health insurance through them.

I found out in October that I was no longer able to get my employer medical coverage. I filled out the application at Healthcare.gov to see what was available. After filling out the entire application I was told I was not eligible because I still have coverage. The application asked if I had coverage until December 31. I answered yes but my coverage ended that day. I called up Customer service who treated me like a child. I stated that the application at NO time asked when my current coverage ends but only asked IF I had coverage until year end. "You don't know what you are doing" he kept telling me. After explaining 4 times the problem he said "Clearly you don't understand. I will walk you through and show you where you went wrong". After 30 minutes of his attempting to show me I was wrong, he apologized and stated that the application was programmed wrong and no longer seemed to have the same questions asking WHEN current coverage ended and when coverage was being requested for. He said, "WOW, no one will qualify for coverage how this is programmed!" Is this a simple programming error or a ploy to avoid new coverage? He did some work on his end and I received a new notice that I not only qualified for 2022 insurance plans but should qualify for the government discount. Without taking an additional hour of my time and refusing to accepting NO for an answer I would not have the pleasure of seeing plans starting at $1300 a month that cover virtually nothing and have ZERO providers within 60 minutes of my home! And this is supposed to be 'good coverage'. So much for making sure all Americans get medical treatment and coverage. If I were not a Citizen I would get better care for ZERO cost to me! Thanks...

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!

Its a scam to sell your information to insurance companies. I never got a quote. I just received 10 calls a day from people selling me insurance. 3 months later and I am still blocking numbers. If you choose to sign up, Don't give your real number. They will call none stop. Its sad our government runs a scam to sell our information. This should be against the law

I found a plan on healthcare.Gov for $217 a month. It was the worst insurance I have ever had. My doctor was listed on their site as if he was in network. I found out later that he's not in network. I ended up needing a medical procedure so I called and asked can it go toward my deductive. They said no. So $3k out of pocket plus other visits associated with the surgery. I received the next bill and thought they'd cancel due to non payment. Nope. They sent another bill. Now they think I'm going to pay them $430.
This $#*! should be illegal. Oh, it's the government so it's ok that it's not legal

I just had the "JOY" of talking to customer service, I was need to change my name in the BCBS insurance- I am so pissed off their behavior! The first representative said-she can barely understand me!? In addition she was scared to make mistakes in my updating information, and she transferred me to another representative, which she said can understand Russian language. And another lady was surprised a lot because she is works only with Medicare and she is able speaks just English. So second lady gave me a phone number. I was calling once again and third person (men) said- he doesn't have time to assist me! SORRY FOR BOTHERING YOU! It is ridiculous how they are working. If they are soooo busy or they are sooo scared what the point to work in that place, I used to work in customer service more than 20 years, but never met so many rude people in one place.

My wife and I tried to add our new baby to our marketplace insurance plan but the marketplace representative was not sure how to do that. We talked to another marketplace representative who mistakenly canceled our plan and made a new plan. Now we have no insurance until the new plan takes effect. Total mess and very stressful at a time when we need stability the most.

Needed temporary health insurance, but was able to get insurance extended so I called the insurance company directly to cancel, then got a call from healthcare.gov because for some reason, they were told to call me. I explained that I had called the insurance directly to cancel, and they went on a spiel about how it would take 3-6 weeks, but they couldn't cancel anything for me. I CALLED THE INSURANCE COMPANY DIRECTLY TO CANCEL. I told him I didn't know why he was calling me, he told me that he was doing what his boss told him to do. I got frustrated with the talking in circles, then he called me a $#*! and that I was being unreasonable. I may have shown some frustration in my voice that I had no idea why he was calling and he didn't seem to know either, but I was not discourteous or unreasonable. Told him he was a horrible customer service rep, he said he worked for himself... yet he has a boss? This is a horrible service, I would never use them again.

Absolutely rude and full of bad attitude on the phone with me. Thus I was just calling Cigna and got this women on the phone with a nasty attitude from Marketplace. Horrible!

I recently had to change my application for insurance via the marketplace. I didn't find my situation listed on the website, so I called. I spoke with C. King (I am naming her in hopes of a supervisor seeing my review, if anyone can make that happen) She was very knowledgeable, polite, answered all of my questions and helped me resolve the issue.

After 4 attempts and 1 conversation with a supervisor the simple tasks to remove my husband from our marketplace insurance plan due to turning 65 and getting Medicare still is not done. Per last rep and supervisor it will be another 30 for an escalation to be reviewed. They keep canceling him Sept 30th. Today is Aug 31 Medicare eff Sept 1. And yet they have made a complete mess of a simple task. Turning 65 is not an uncommon occurrence which makes this so much more irritating. The different answers and overall ignorance is mind blowing. Selection process for phone reps and quality of training is seriously lacking by decision makers. And to top it all off, they don't care. I worked in health insurance for over 26 yrs, in customer service for the over and under 65 individual members, so I'm not going into this naive to the steps. The Healthcare Marketplace needs an overhaul of decision makers and improved training and testing for new hires. It's a pathetic group as of right now. Don't apologize, just fix it. Having to get a case worker involved to cancel a member turning 65 is a waste of resources. This is not a late request or some unusual circumstance. Obviously these people are not engaged or invested in the duty and services they are supposed to provide. Absolutely pathetic!