healthcare.govReviews 382

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.

I went online to cancel my plan and resign up for a new plan, as I had just moved out of state and was currently unemployed. I filled out a form saying that I was cancelling and explained why. I was then redirected to a second form to sign up for a new plan. Turns out the first form I filled out isn't the correct form to cancel one's plan even though it is advertised as such. No where in the process did it say I need to call to cancel. I kept getting billed. I called Marketplace and they said because I didn't call, I had never canceled and told me that they could not retroactively change the date. I even showed them proof that I had submitted the form and had even already started a new government healthcare plan (how can I have two at the same time?). They insisted that they couldn't do anything and encouraged me to write an appeal. But then the appeal form said I couldn't appeal for coverage end date reasons. I called back and kept getting the turn around and eventually was out of range to appeal. I can't just not pay it either because it will ultimately come out of my taxes next year and at full price as opposed to the marketplace price. The cancellation process is designed to screw you over.

Either it doesn't cover any doctors or the deductible is $18,000 our government is ridiculous every governor senator congress should all be fired what a waste of taxpayers money unless your a immigrate

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!

I moved 1/1/21 so Healthcare.gov had to assign me a new health insurance company in 2021. My 2020 insurance company isn't sending my EOBs from 2020 because they don't have my new address and I am not allowed to change it, this must be done by Healthcare.gov. HEALTHCARE.GOV CAN'T CHANGE THE ADDRESS SINCE IT'S FROM 2020 AND WE ARE NOW IN 2021. This is bonkers and I need a lawyer.

Ms. Joan Ross from Kansas is phenomenal at what she does. Extremely knowledgeable. Polished professionalism.

I don't know how they train there agents but they don't seem to know what the hell they're doing. And I've spoken to multiple people. I wonder how many people like me have given up just because of that. So frustrating.

The customer support and staff are great. John Courier(spellcheck), helped me today and was extremely helpful.

This site is a rip off. Any insurance plans they have is to expensive to get. It is ridiculous prices that they offer. Hell, I have no job, married but my damn husband doesn't live with me, and they expect me to pay a monthly premium of $400 plus... Hell no. They can kiss my $#*! and go to hell with that price gouging bullcrap. They are a joke. We all pay enough taxes in for them to give every single person in America Free Health care, Dental care, Eye care, and prescription, and I mean FREE, and they pay every single penny of everything. No deductibles, No out of pocket expenses, No prepay at all... everyone can get Medicaide for all the taxes that the gov gets. Morons ripping people off.

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

Wish I could give them a -*******! I am so sick of getting hung up on and treated like literal trash from this company! They are suspicious as hell and lie about information! I have been on a plan since with Florida Blue that was helping me receive coverage until I added my pregnant daughter to my existing plan. I was told if any changes are made in the household I would have to call to update. Instead of adding her to my existing plan, they didn't add her, they just changed my whole plan completely without my knowledge. We are now drowning in bills because we thought we were being covered by the plan I was told but instead are paying a premium a month for a high deductible plan that we are never going to reach! I have spent countless hours on the phone with them to help get this resolved and all I get in attitudes, getting transferred and getting hung up on. I am so frustrated and fed up I don't even know what to do anymore!

I made the mistake of calling to compare to my benefits from work, within seconds of hitting submit I had multiple calls come in, all from the same place. This was in January, it is now mid march and the calls have not stopped despite me calling back and choosing the option to stop calls, so I started blocking calls on my phone and now they call from numbers all over the country. It is harassment at its worst. When you call and press 2 to stop these calls, it hangs up on you and you will get more than you can stand calls from them the next few days. TRUST ME, LEAVING YOUR PHONE NUMBER WILL BE A HUGE MISTAKE.

I retired before 65 yo (medicare eligibility). Needed an affordable monthly insurance premium as I couldn't afford the state med insurance with student loans and a mortgage payment. I applied on HealthCare.gov and had a great agent for the Bright Health Insurance which helped me qualify for an extremely affordable monthly premium for my circumstances. What they neglected to tell me was that I would have to be paying back to the irs the tax credit I received and qualified for the full year I used this insurance at the time I would have to file my taxes. The total amount I owed back to the irs was over $5,000! I am a retired teacher and this is going to cause a financial burden for me. This is criminal! Wanted to warn anyone else thinking of using this insurance coverage.

Been calling for the last 5 nights after work and dealing with the lost ignorant and unprofessional and definitely the uneducated bunch of people. We been told our address is wrong, we been told we did not pay the bill, we been told we live in another state, we been told we never have had insurance.
We have had BCBS of Anthem for 16 years and never had a break in coverage. Actually went to the doctor today and which my insurance card was accepted and processed. They told me I have not had insurance since 2018... lol.

Really, I have had two major surgeries and tons of doctors visits. So since I don't have health insurance and to whoever paid all my medical bills I want to think you so much! Here I thought my insurance was paying... BEING SARCASTIC OF COURSE. The supervisor said she had to escalate the process so she could see what was going on with the 1095... she indicated I needed to maybe pay the states penalty if they asked me to pay it at tax time. Why would I pay a damn penalty for coverage I had and always had. This is the most horrible place to get insurance and don't expect them to truthfull about anything.,, THIS IS GOVERNMENT!

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

I have been going through the Marketplace for 8 years now (employer doesn't offer ins.). In Nov. 2020 I went online to reapply (as I do each year) and I also called and spoke with a rep. I picked a Blue Value
Bronze plan this year with a $8,500 deductible but was never told where to pay or given a subscription ID, etc. I received no notifications from BCBS or the Marketplace on how and where to pay for this changed plan. I called BCBS in Dec. 2020 and tried to give my credit card info but the system was not finalizing the payment (in a loop or glitch). Then I emailed BCBS and no response. In the first week of Jan., after hearing nothing, I called BCBS and they told me the Marketplace cancelled me for non payment. I explained what happened and then called the Market place to be re enrolled and spoke to Donna George who told me that they would work on re enrolling me and would let me know the results. I have had melanoma and have high blood pressure. I don't need to be without catastrophic coverage (really all this plan was). I called 3X to the marketplace and was put off & they told me they were working on reactivating my application. On Jan. 26th I called again & spoke to two people and was told that I was cancelled. I believe this was a set up to drop me from the Marketplace and BCBS. If this has happened to you, I would love to hear from you at dltant 1964 at gmail dot com. I wrote the Health & Human Services to complain.

Unfriendly, hard to reach. Feels like the patient is lost in a sea of BS. Wanted to "unenroll" but of course since the government is sending this companies big money each month... it's not in their interest to terminate my coverage. This show is completely unmonitored.

After 8 months with affordable, decent health coverage through the program, I tried to re-enroll. The website directed me to apply for my state's Medicaid program, which I did. I was accepted, and so figured that, as explained in the Healthcare.gov notices I'd received, I would no longer have insurance through them after Dec. 31. No problem, since I now had Medicaid. However, they sent me re-enrollment emails anyway, and I went through the process to see what was going on. Would they still want to offer me the same coverage with subsidies that made my bill only $148 per month? Well, I found out that there would be no subsidies for me going forward, so I would be paying over $900 per month for insurance I didn't even need. I let it go. Then, yesterday, I got a notice that $185 was taken from my account to pay for another insurance premium. I called my insurance company and they said that I was automatically re-enrolled, based upon info from the Marketplace. I called the customer service line at healthcare.gov, and they said that the onus had been on ME to let them know that I wasn't continuing. This AFTER they had told me in no uncertain terms that re-enrollment and coverage ended Dec. 31. Moral of the story: Make sure to alert them if you do not intend to re-enroll after the end of the year. They are not accountable in any way, and will bleed you dry without reason. The only reason I gave them 2 stars is that the coverage was, for that one year, both affordable and useful.

Not very friendly customer service representatives. I have had several representatives put me on hold and never returned because they don't want to attempt to solve my issue or even transfer my call to a supervisor, apparently this is their new way of hanging up on you so that you don't get to answer the reviews at the end of the call. They want the customer to hanging up first. One time I was placed on hold for 3 hrs, yes you heard it right. I had to end the call. You need to do better this is about people's health coverage.