Ben H.

My wife had healthcare through healthcare.gov and I lost my insurance through my job. So, obviously I applied for insurance through healthcare.gov through special enrollment. I selected only myself in this application since my wife already had insurance. Low and behold... my wife is sent a letter saying that they received her request to terminate insurance. Never in the application did it state that my application would terminate my wife's insurance. Nor does it make sense to add my wife to my application when she already has insurance! We contacted the marketplace several times over the course of two weeks and many of the people seemed to be at a loss of what we should do, other than have me redo my application and add my wife since she cannot apply since she does not qualify for special enrollment. Sound complicated? It is, and quite honestly I sympathize with many of the workers who have to deal with this system. Our solution was to redo my application, add my wife, and of course our available healthcare options were not the previous plans that we had. This means that we are paying a higher premium for health insurance that we do not use (except peace of mind) and my wife is still without insurance until next month.