healthcare.govReviews 383

This site is completely useless because it never solves my ACTUAL PROBLEM. I have to spend hours of time digging through this site, Googling, and waiting for 45 minutes to talk to a customer service rep who may or may not be able to help me. It's such a waste of my time and constantly loops me to blanket answers that I am not looking for. This is the exact reason why I have sought healthcare outside of the government. It's a mess, terrible user experience, customer care, and a waste of resources.

I am still wondering how they let people with no courtesy become agents. The man I spoke to started off with a snarky attitude. When I tried to say I was not interested he kept talking. I told him I was not interested, thank you, good bye. He called back and started off using the F word and was so disrespectful, hurtful and derogatory. I saved the voice mail. If I can I will ask he be removed from his job. I will not attempt to use the marketplace to get insurance!

It is amazing how much the Democrats try to scare Americans to vote their way by giving them information that is not correct.
The lower court has already determined that the Obama healthcare will end. The Supreme court is having a hearing on the lower courts decision and possible overturn the lower courts decision. The problem right now is the Supreme Court currently with 8 justices can have a tied decision. If this happens the decision of the lower court will be up held and the Obama healthcare plan will end.
Also, it has been stated many times by many people in President' Trump's campaign that all pre-existing conditions will be covered also any conditions or treatment dealing with Covid-19 are being paid for by the movement. Please read and do your due diligence before you buy into the democratic lies before it is to late to correct the damage they will inflict on the American people.
Thank you and read reliable sources before you make a decision.

Early August I had enrolled for Medical Insurance, they gave me an affordable quote and was enrolled by a representative. They said the next day that I would have to verify income and send it, and start the "Processing". Which was a week before August 19th, (The day they processed the enrollment). Since then, I'm waiting for an insurance card verification from the insurance company about coverage, etc... I've contacted the insurance company and they have NO KNOWLEDGE OF A POLICY! I've contacted customer service multiple times and fed up with their excuses, no knowledge of whats going on or anything, no policy information or answers for coverage what so ever! I'm about to go off! Close to a month and NO COVERAGE? And you have my personal information? NOT COOL!

I enrolled the plan at the end of Jun for cover starting Aug 1. The first week of July, I received a billing asking for the payment from April to end of July that I never signed up for. I called them up to have the record fixed, I called them almost every day, spent three to four hours each time on the phone for 2 months now. They turned me around and around, told me to escalate and appeal. Marketplace appeal center said that this is not under their authority. I never got a answer or get the problem solved. I don't know what to do, I guess I just wait to have it solve in court. I want to give a negative number in rating but it is not available.

In my previous years of using their service, I have always had to pay hundreds more for "income overages" If my income was a little higher than reported they'd charge me anywhere between $400-700 more at the end of the year. However, doing my 2019 tax return with a preparer today I was in for a shock. Now, up until the point where the tax program calculates how much extra I owe (or not, which has never happened) before the premium tax credit calculations, I was due a $2,400 refund. Once the premium tax credit calculation was done, I lost the $2,400 AND I owed the IRS another $700. Holy S***.

Now get this, I was already paying $500 a month in premiums for this high deductible health plan that I purchased through the marketplace. Maybe my math is off but this is what I cost me to have health insurance that I couldn't use for 2019. $6,000 in premiums + $2,400 in a refund that was negated + $700 extra that the IRS hadn't grabbed yet = $9,100. That comes out to almost $760 PER MONTH for a single person, high deductible health plan. For that kind of money, I could have bought a much better private plan outside the marketplace. Heck, for that kind of money I could have taken the risk and insured myself! So who do I speak about the royal screwing I just got? IRS? Healthcare.gov? The insurance carrier? They'll tell me to go pound sand. So I pay $3,100 or I get fined, get property seized or go to jail for not paying. My advice. DO NOT use this service. Whatever they quote you for as to what you will pay when you enroll and what you will end up paying at tax time is patently FALSE.

Marketplace gave me a decent amount in the beginning of my health insurance. All of a sudden it cost $300 monthly for it out of nowhere. They claim I did not provide enough info on time, but that's not correct. I get a notice of a if I don't pay by a certain time I'll be terminated. It says you have 90 days. They counted from when the insurance started in the 90 days and Then ended my health insurance wanting me to pay $1100 in 1 month. RIDICULOUS! Long story short they terminated my health insurance during a pandemic! What if I get Covid? I can't even afford to go to the doctors now. I'm disappointed and hope I can get some help since being unemployed and now with no health insurance. They do not care about your well being. Tread lightly if you want good health insurance.

Health care provided to low-income Americans is important. The policies are not that great and the deductible is very high on most policies. Mine is $8,200! They are not great policies in general. When you need to call the navigators/supervisors to get help or to update something it is chaos. The systems are difficult to navigate. I wish there were better alternatives for affordable and reasonable healthcare coverage. The mission has failed. Hard to say nice things anymore. When I first had a policy in this program in 2014 it was reasonable, but it has only gotten hollowed out every year since then. I am ready to give up and beg for Medicare for all. What we have now is no good from the govt oversight to the plans themselves. I need to decide what to do next year. Tough decisions. Advice... Probably should get plan from your own employer even if it's expensive. $$$

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

Taking advantage of people during covid-19. I submitted my financial change during covid-19 on the 16th they apparently update every 15 days which would land me march 31 and was still charged the full amount. High mark told me on there end I only owe 63.83 and just need the paperwork sent over. Health care.gov said, "sorry nothing we can do". This is disgusting and wrong. This is the third time I have been burned by this site. Its a joke, last year I didn't get coverage because I clicked the x out of a popup window and didn't press close so it apparently didn't submit so I had no coverage for a year and was told I didn't qualify for special enrollment period. The year before they chose a plan for me that was $600 a month and there was nothing I could do about it and was told I HAD to pay the $600 to change my plan even though I chose a different one but they already made the selection for me. DISGUSTING business practice.

I called to cancel my plan. That is all i wanted to do. I am 22 years old. I asked the agent if I could simply cancel my plan. She went on and on abut how I am a millennial, and how millennials think they know everything. I simply asked to cancel my plan. My age should have nothing to do with me wanting to cancel my plan. She then went on to tell me that her daughter is my age, and us "young folk" don't listen. I asked if I could possibly speak to someone else, as all I wanted to do was cancel my plan. She said no and continued to tell me that "she couldn't live without health insurance" and "how will I live without health Insurance." Honestly this is ridiculous. I don't need someone judging and questioning me simply because of my age.

In short the marketplace cannot figure out how to apply my tax credit for 4 days, this has caused my health insurance to cancel this week, very scary since i now have organ problems and cannot fill any prescriptions also had to cancel may doctor appointments, they gave me a tax credit of $872 per month but a glitch happened where the tax credit wasn't applied for 4 days causing my premium to be $925 for that period instead of $84 which it should be, i've tried for 2 months and filing multiple appeals but no one there can figure out how to apply the credit for 4 days, i'm scared especially with this pandemic.

Since I have to give it a star I gave it one, but really it's ZERO stars. It is completely ridiculous! What took me a 15-minute call when my firstborn was needed to be added to our insurance before the marketplace has now taken 4 months, 3 "application" processes, 30 pieces of physical paper, over 15 phone calls, and a whole lot of frustration, and guess what they still haven't taken care of it. I would love to be able to call up an insurance provider and just buy actual coverage but I can't it has to go through the Marketplace. At this point paying out of pocket for medical expenses is cheaper than going through this crap.

The website is a joke - I couldn't get on to create an account and no one could help me with that so I talked to multiple representatives and finally got something set up. A couple of weeks later I reported a change of income which pushed me into a much more expensive option in the silver plan. When I said I wanted to go with the bronze plan they told me I couldn't. I have an appeals filed but God only knows how long it'll take to hear back from that, if I ever do. I was getting billed for a plan that I no longer qualified for because of the change of income, so I called again and a very rude young woman who would not stop talking so that I could explain my situation told me that I had to verbally tell them that I needed to cancel a plan that I no longer even qualified for. When I tried initially to create an account on the website and put in my information including my assumed entire income for the year I was able to qualify for a bronze plan but once I gave them updated information - which was exactly the same amount as I had done online, suddenly I was only able to qualify for a silver plan. So now I'm without insurance completely - thanks so much Mr Obama.