healthcare.gov

Ignores request to take off call list. If a class action comes about suing them for harassment and violating solicitation laws, I'm on it.

Was meant to sign up in June of last year, the person setting it up set me up for July. I called, asked to backdate and was told "We can do that".
A few days later, still no insurance, so I call back.
"We've submitted an escalation, it can take 30 days to hear back."
"Can I use health insurance in June or not?"
"We won't know until July."
"Don't bother. I'll just wait. I'm not paying for something if I don't know I'll have it."
"OK"
Time passes...
Work insurance kicks in during August. Billing issue between Marketplace and BCBS costs me $250. I speak to multiple people who either pass me back and forward between MP or BCBS. Finally one person says "I can help, we've got you fixed up."
A few days later they call to amend that response with "We can't fix this."
$250 down the pan.
Time passes...
March 2022 arrives and I'm doing taxes.
"You owe money to the IRS for 4 months of Marketplace insurance last year."
"I had it for July and August?"
"Nope - June to September."
Call in - speak to 5 people, get to some complaints dept. at the Dept of Health.
"We adjusted your insurance from an end date of Sept to Jul, so you only have two months. Yay us!"
"Well, yes, but that's not going to work. I didn't use insurance in June because I didn't think I had it. I DID use it in August, so if you put my end date in July I might be billed for that at full rate. I didn't use any insurance and went without meds in June because you told me I wouldn't have it after the escalation was cancelled."
"Yeah, sorry about that. If you want to call a number to appeal, this is it: *******751."
*Calls number*
Fill out a form on the website...
So, I'm $250 out already, looking at an extra $300 in taxes, and potentially looking at getting billed $200 for not having insurance in August when I did have insurance in August, but now didn't.

My expectations of anything government run are usually very low, but these people are lowering the bar on a daily basis.

I called to let healthcare.gov that I was tenporaly laid off due to coronavirus, and told the agent I wasn't making my 35k a year anymore, the agent went and changed my plan without my concern. And from $140 a month it increased to $570 a month when. I asked the representative why did she make the change she said I asked for it, I asked her to please change it back and she said is too late, then I asked for a manager his name was Timothy the nastiest person you can talk to, he said the changes were done and that there was anything else possible to do, then he said he was going to reppet me for fraudulent info which I didnt have, I ended up being threaten by Timothy because I was upset over changes that were made without my consent, horrible service try to go through your local area DO NOT CALL THEM DIRECTLY

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.

Where do I begin...
When my wife and I first started with the Marketplace they asked us to send in about 8 documents between the two of us and upload them to the website "Healthcare.gov".
It has been 8 months since then and I have done everything the website and the representatives have asked. I have called them about 12 times and they always assure me that it will get taken care of and it never does, then they send me letters and emails threatening that they will terminate coverage if I don't get it fixed. AND MY WIFE IS PREGNANT!
Cherry on top. The healthcare service that we are currently enrolled in for 2017 has no choice but to pull out of Nevada for individual plans because of healthcare.gov. And there are no PPO plans in Nevada now for individuals with prior conditions (Pregnancy). So we are forced to use a healthcare.gov HMO plan for 2018 and my wife's OBGYN does not accept HMO plans so we have to switch doctors at the end of the pregnancy.
Also, every time you call to talk with them the staff has no idea what they are doing and it takes 30 minutes just to get on the same page just for them to stay "I dont know" or "There is nothing we can do" when there is something they can do, as I found out later.
DO NOT USE! SAVE YOURSELF A WORLD OF TROUBLE

Called last March to report life change. Address change ONLY. My health coverage cancelled but dental did not. Received new health plan effective April 1 but marketplace didn't show the new effective date. I received 1095a in Jan only showing coverage for January- March. I have logged more than 10 hours on the phone trying to get this resolved. I am on my 3rd escalation, nobody has ever contacted me from that department. I HAVE PROOF OF COVERAGE. Every time I call the marketplace I get a little more information. I just found out last week (after my 5th phone call) that I SHOULD get two 1095's because of the life change but I haven't because they didn't show me having coverage after March. I finally spoke to someone on February 24 that sieve nearly an hour searching my account and found where I DID HAVE COVERAGE... She sent documentation to the technical department as well as escalation department. FYI... ESCALATION DEPARTMENT HAS NEVER CONTACTED ME... NOR DOES THE MARKETPLACE HAVE ANY WAY OF CONTACTING THAT DEPARTMENT. So I've been playing a waiting game now since Jan 26th... still nothing!

I needed to change plans (from an HMO to a PPO, didn't know if would be difficult to receive medication I needed) and I called a few different times to get help. I was told my case was put as "urgent" and would require higher-ups to go over my case to help and would need 14 days. After 7 days I called back to see if anything has been looked at and was told that I would hear from someone soon. The last time I called I found out that the past representatives did not put the correct information down as to why I needed to change plans (to receive medication) and that I was 3 days past being able to switch plans and now I am locked in. I was furious because if I was able to switch plans why didn't anyone say that or help me do so? When I spoke with a supervisor for help I was pretty much told that I could try to re-enroll if there has been a "life change" and see if I am eligible, but other than that they could not help. She made sure to keep putting blame back on me ( I took responsibility for my part and told them I accidently choose the wrong plan which is why I have called multiple times) and said if I had access to the internet then I should have changed it. I explained yet again, that I was not aware that there was an ability to do so after being placed on a plan, hence the reason I have been calling. I kept asking, if that was the case, how come no one at the marketplace was able to tell me that every time I called to speak with a representative and explained my situation? Just so no one could say I wasn't trying to fix things on my own, I did try to re-enroll and the plans left were worse than what I had. I am pretty sure that they could have helped to change plans but they did not want to do the extra work. And people wonder why our country is so sick.

I'm writing after a recent experience with one on the phone. I remember going through this last year but forgot the ultimate conclusion of my debacle. I moved cross country back to Minnesota from Florida, where I had signed up for this program. My account information was still under my mom from when I was younger and still learning how to actually do things.
I called to get a password reset, which actually got answered in a decent amount of time given the season and the fact that it is the end of enrollment for them. From the onset, the receptionist did not have a particularly kind tone with me. Which, given the fact that it is the day it is, I may have been more likely to let it slide. Yet she ended up getting very patronizing with her questions, especially with the way she worded some of them.
All of that can be forgiven except for the fact that when I was voicing my confusion, given that I did successfully obtain health coverage last year, she did not bother to ask very basic questions. She was determined that I was wrong instead of realizing that MAYBE I DID obtain health insurance. Especially since I told her several times I was living in Minnesota.
Really, had she actually been trained enough to realize that, 'hey this girl moved from a place that was covered by Health Care Marketplace to a place that was not covered. She probably did get coverage under the correct company.'
I won't deny I may have realized this sooner, yet I am not the one on the clock. The disrespect added to the fact that it almost seemed like she was saying things were my fault really ate at me.
Not only that, but the site is, of course, unbelievably inconvenient. As we realized the above and also that a lot of my log in credentials were linked to my mom's details than they were mine, we tried to alter so it would stop believing they could insure me and stop randomly calling her. We've had this issue before--when we started the account, it managed to get set up with two different spellings of my name. The details that actually mattered must have been on the one that got deleted, because it was bound to all the wrong information and would not let us change the address, info, or even my phone number without answering security questions. We tried changing the security questions to no avail.
Overall, I am far from satisfied with the website, the company, and the staff.

I reported them for fraud to the ATTY general and the medicare and medicaide fraud departments. I suggest you all do the same.
In My Opinion
This company while using a. Gov address is NOT a government agency but a privately owned company that goes under at least 10 different names that I have found by a simple search online.
I see that they "enroll" people one month until about the 23rd or 24th of each month NEW ENROLEES which they get paid for! All of the sudden their status changes and they are NOT enrolled and there are papers missing applications incomplete (even though a make payment invoice had been sent. Some people paid only to be denied and payment is "credited" to the account. NO REFUNDS!
This is a situation I would steer clear from and go STRAIGHT TO THE MEDICAIDE offices and apply there with a person at hand avoiding this THIRD FOURTH party companies WHO BTW DO NOT NEED THE SAME SECURITY MEASURES with your personal info.
Ask yourself why does PA use a company in Kentucky who's call centers are in Fl. And elsewhere. BECAUSE the laws have not caught up with the new Ins. Programs there is little to no oversight. No accountability Just the wild west of data gathering and IMO data selling YOU SEE THEY ARE NOT PART OF HIPPA so your info is theirs to sell to the highest bidder... While charging the government IE> YOU AND ME THE TAX PAYERS!
In my opinion

SCENARIO: WIDOWER AS OF mid march...

Marketplace/healthcaregov complete idiots trying to remove dead spouse off healthplan. They messed up the date of death so had to expedite a ticket to backtrack. Then they messed up the SSN, DOB, Sex etc on my application itself. 1295 mins and 87 calls later back and forth from marketplace/healthcare and Anthem... as of today it's still not resolved. FYI anthem reps were kind enough to give up 1 hour and 50 mins on each call to do a 3 way call with marketplace. You know the marketplace is incompetent when they have to be on the call to help sort it out.
Market place escalated 2 tickets on 3/27 and 5/3 and still no luck as of today. COMPLETE MESS- YOU GUYS NEED TO GET FUNDING TO WIPEOUT UR WHOLE PROCESS AND REDO IT FROM SCRATCH. ITS GOD AWFUL. UR REPS DON'T CARE, THE SYSTEM IS TOO ARCHAIC. YOU NEED TO IMPLEMENT SOME MAJOR IMPROVEMENTS OR CREATE A NEW SERVER/SYSTEM. THIS DAY AND AGE, U NEED TO DO BETTER ESPECIALLY SINCE EVERYONE ELSE IS ON THAT TRACK. YALL ARE $#*!ING IDIOTS.

I lost my full-time job and my health insurance coverage along with it (Aetna POS Choice II, 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.

Folks, please trust my word on this. The ACA is a GODSEND 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.

In May I moved from Oregon to Michigan and needed to get new insurance. I worked with an agent who was super helpful and started an online application for me. But then the application wasn't submitted and I could not 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. 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.