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!