healthcare.govReviews 382

The first nightmare: I sent in my documents proving my change of life situation in May, sent certified mail. They uploaded them to the wrong application and said I would have to re-submit which means another trip to a copier and to the post office and $7.34 postage, then, to add insult to injury, they said I missed that month's enrollment date which means nightmare #2: The IRS is going to be on my as* when trying to filing for 2018 taxes, plus a fine! THANKS UNCLE OBAMA!

Terrible communication between employees. Don't bother with them. Don't even get involved. Don't know where to start with this company. They are all over the place. They constantly place blame on the insurance company and visa versa with the insurance company and Healthcare Marketplace. They don't know what they are doing and their not helping any one or themselves. Healthcare Marketplace needs to get their head out of the sand and get their business together.

These are some of the worst kinds of people on the planet. Scammers who prey on the weak and uninformed through false scare tactics. Don't fall for these bastards, they will only take your money! Luckily I've seen them all and can spot them coming a mile away. Since they found a way to access certain information they were able to mail me their official SCAM letter. First red flag, I was actually approved by Medicaid 100%, and their letter said I wasn't. Second red flag, they claim to "lower" my premium. I have NO Premium. Sorry, not getting any of my money.

Do yourself a favor and don't give these jerks the time of day. Do not respond to them, response only opens the doors and may subject you to their contracts. Based on other reviews it sounds like once they have you hooked, it's tough to get out. Report them to the Better Business Bureau (BBB) and write posts like this so others don't fall victim. Of course they're going to be nice if you give them money, just don't expect them to be there when you really need it. Watch for fake posts as well. This group is a complete SCAM. BEWARE!

Just an update - My escalation was submitted on Feb. 14th and I called every few days between then and this past Saturday April 7th. Each call before this past weekend I was told my escalation was still processing. Finally, on the 7th I speak with a Ms. Jenkins who looks into the escalation and realizes that this whole time the escalation category was totally non-applicable to my situation. The escalation up to this point was basically moot. She had to resubmit it in a different category and said it may take up to 30 days. Woof. I'm just happy someone, somewhere in that place has a brain..

I initially couldn't even sign up and ended up going to a local agent to get government required health coverage. Now the IRS is holding back my tax $ and threatening to charge me because they didn't receive a form which I never received from H.C.gov
I can not retrieve this form with the website because of reasons unknown to me and the customer service. Why is the IRS unable to just retrieve this info from healthcare.gov? It's like a circus. Oh yea it is because excessively over paid 500 or so top government employees can't, won't just don't work together...
Thanks for nothing!

I submitted documentation to prove my income from 2017 for healthcare coverage. My income for 2018 is cut by 2/3rds tried to get payments for coverage reduced instead increased it to $823 a month for just me. They sent me a letter and said I was eligible for an special enrollment period until May 10th, however somehow my original application got deleted, they then said I am no longer eligible for a special enrollment period and want to charge me $1700 a freaking month when I can apply in the fall of 2018 for 2019. Hell no thank you to either one I will go to my doctor pay him his 80 office call and go to Walmart and get my prescription for a 3 months supply for $16. My total monthly cost $96.00 I only hope to God i do not need any surgeries or to be hospitalized. These insurance companies are getting rich off the backs of Americans who work everyday for a living. Why in the hell are we the only civilized country in the world without universal healthcare?

My wife cancelled our service in June of 2016 when we were married - they never cancelled the service even though it was referenced in their notes that it was supposed to be. They billed us through 2016 even with dozens of phone calls. We received the 2016 tax form showing that we were covered through the year - multiple calls again to get the corrected tax form and finally received a tax form but it was for the wrong year. IRS claimed they were going to fine us for not getting the corrected form in on time. Now 2017 tax form comes and it showed coverage for half the year again stating they auto enrolled us again. The most ridiculous process I have ever been through...

This organization is unbelievable. It can't get any worse. I received a letter from my dental insurance provider in October of 2017 telling me my insurance would automatically continue into 2018 without having to do anything except pay my premium. In December I went on to the Marketplace website to change my medical insurance. After securing a medical plan, the website asked if I needed any additional dental or vision insurance. I DID NOT because my dental plan was already in place for 2018. I checked "NO". Well apparently by answering "NO" it gives them the right to go and cancel the dental insurance you have in place... with no knowledge that they were going to do so. Nor did I give them any permission to cancel my insurance. I didn't know my dental insurance had been canceled until I received a refund check from my dental insurance provider in January. When I called the Marketplace to get this fixed, they would do nothing. I just kept getting the scripted answer of "You are out of the enrollment window. Unless you have a life changing event you cannot make any changes until the next open enrollment in the fall". But wait, YOU cancelled my insurance. I talked to 3 people (2 supervisors) and kept getting the same answer. Finally the last supervisor told me I was as far up the chain as I could go. Her bosses were not accessible to the public. I would just have go without dental insurance for the year because of their screw up. What a organization... you can screw up everyone's insurance and then not have to correct any of your mistakes.

Both my husband and I found other coverage in dec 2017. We both deleted applications on healthcare.gov in December. Employees from healthcare.gov REINSTATED those applications without our knowlege. (All the info was wrang because we were not married on those applications from the beginning of 2017 and we were married in the 2nd half of 2017, so those applications were set as single).

Those applications were approved without us ever giving approval to submit them! We both had to go back in and TERMINATE policies we never asked for! Now my husband is being billed by Anthem for January when he never asked for a policy from them!

This is pure and unmitigated fraud on the part of healthcare.gov. To submit applications for persons who did tried to stop the process AND submit false information to boot should be investigated and prosecurted on the part of healthcare.gov employees and the programmers who made that an automatic process.

I would rate them a zero, but that is not an option.

One of the Supervisors hung up on me made me cry if youre having a bad day make sure you dont take it out on a pregnant lady. I was on the phone for 45 minutes when she started to scream at me and hung up I couldnt believe how bad her additive was. I dont have any respect for this company because of that and messing up my account so many times. No one seems to know anything about their job. Also its defiantly not affordable Obama screwed everyone up. Praying President Trump will be able to help us get this healthcare back on track.

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.

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

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.

First of all, it took me about an hour to log into the website after running into a slew of problems resetting my account. However foolishly, I thought that was the worst part but I was wrong. Now I'm waiting for my identify to be verified after putting in my information and it won't let me continue. Everytime I try again, I essentially have to start the whole thing over. This website and its security protections are a completely mess! I've now spent over half a day and still don't know when I'll finish.