HealthCare.gov レビュー 

I’m a single mom who recently lost her job and health insurance. I thought this would be a good way to get coverage while I look for employment. I’m not sure how they expect me to pay $500-$1000 MONTHLY for my own insurance while unemployed. They stated my child didn’t even qualify and that I should put him on Medicaid (during a government shutdown?). The plan they suggested I get was a special plan for people with COPD. I don’t have COPD…This website is a joke.

They clame to be able to get you the lowest prices , in their latest add they even say they have plans starting at 21$ but I scrolled and scrolled and found no such thing . Just as expensive as all the others, damn shame the put out fake advertisement.

Family member moved to Texas she made too little didn't qualify for the so called tax credit for a premium discount and was quoted by the Market place representative $600 a month Blue cross with a $9000 deductible she needed to meet first that Shhhh is CRAZY 🤪 If you got that kind of money why the Hell would you need HEALTH COVERAGE $600 a month as if your gonna be sick every month.

They need to quit calling 15 to 20 times a day , my husband and I told them we have insurance and we are not interested , and ask for them not to call us anymore . We have even been told by them that you can go F off or you can go F yourself . Now we are to the point where we just decline there calls . We feel after open enrollment which has passed I believe almost a year ago , so why do you still call . Plus they are selling Healthcare funded by the government by American and they aren't even American . The Middle Eastern insurance agents would be the last people that I would ever purchase anything from , even if it was free !

i wouldnt even give this one star if i could. i have been fighting with them for over 2 weeks! i have submitted all the documents and even got the notice that i can pay my first months payment and theyre not telling me that i have to wait up to another possible week before i can. this process has been terrible and my child is special needs and i have to wait to take them to the doctor

Horrible customer service once I wasn’t interested or didn’t qualify for what I wanted. I then was transferred 3 different times in the middle of my question without telling me I was being transferred and the last guy just hung up on me. I understand it’s a commission's job, however the great personality (used car salesman) went out the window when I asked for a cheaper plan and the transfers began. Lol
They never know who could be calling to check on their approach with sales and this sale they have lost for sure.
Gotta love these sales people!

My experience with Healthcare.gov was truly amazing today! I want to shout out Ms.Jess for being extra professional and prompt with helping me in fraud escalation. I unfortunately hung up on accident, forgetting that the survey came at the end so I had to give her a rating instead. I pray she and her Supervisor see this because she's truly amazing and good at what she does!

They are absolutely useless in customer service! I was "AUTO ENROLLED" by them for 2 years and had to pay thousands of dollars back for a plan I NEVER used or even was aware I was enrolled in! I called, they said there was no record of me calling? I talked to supervisor who told me to file appeal on line, I did, got letter back saying invalid and I need to call, I did, then was told cal 855***-*** I did, they said to call 888******* I did, they said call back to first number, I did, still nothing! They refuse to do a simple thing like their websight said, "Call and request retroactive end date" NO ONE WILL HELP! They will not take back their error because they already got my money! HORRIBLE COMPANY!

Run. My latest correspondence has again been intercepted April 2025 by the marketplace health insurance appeals department.

They refuse to forward my proof of medicare active at the time of enrollment 12/2023 to the appropriate marketplace department, update my files as inelligable for marketplace health coverage at the time of enrollment and send updated files to ambetter from sunshine health so ambetter can issue a refund.

Marketplace appeals made it clear they had no authority to accept my complaint (based off a termination date, not off My complaint of medicare active policy). Here is the kicker, my complaint has and to this day is a complaint of active Medicare policy at the time of marketplace health insurance application 12/2023.

Marketplace health insurance is denying my true complaint and refuse to reopen my case. Marketplace based their decision on a complaint of termination date. I feel I'm being punked! Ambetter from sunshine health stated their records showed my account with them was terminated for the dates of my enrollment but they were not issuing a refund. I had no reason to question their record of account termination date. I was agreeable to the stated termination dates. I did ask why they were not refunding my payments.

I was directed to contact market place health insurance, marketplace health insurance directed me to contact ambetter, who again directed me to contact marketplace health

They should provide vasaline.

Background. I had to make some insurance decisions so I called marketplace health insurance. I asked if I needed additional insurance to go alone with my medicare part A. First the marketplace rep said yes, then she directed me to the gov website to fill out a marketplace application, stating I would be denied enrollment if I was not eligible.

My application was accepted even though I stated i have medicare, and I was directed to pick a insurance provider. I picked the cheapest I could find. Two months later both the insurance company, and marketplace health insurance notified me I would be eligible for medicare soon, and I could not be signed up for both marketplace health insurance and medicare, and my marketplace insurance would be terminated if I chose to enroll in medicare. (Hello I told you people I have medicare at time of my application being processed).

What! Long story short. I sent in my proof of medicare active. Ambetter from sunshine health insurance company directed me to contact marketplace health insurance and marketplace directed me to contact ambetter from sunshine health. I felt like a hampster in a wheel. Hours on the phone, money wasted on certified mail. Neither will admit a mistake was made, and No policy should have been issued for me.

Marketplace health insurance refuses to base a decision on My complaint of medicare active policy at the time of application process, denied my complaint stating they have no authority to base a decision on a complaint of termination date. Where and how did this come into My complaint of medicare active policy?

What the hill are they talking about? Complaint of termination date? Not from me. My complaint has always been both marketplace health and ambetter from sunshine health stated i can't have medicare and thier policy at the same time. I was ineligible to enroll and inelligible for their coverage, to please issue my refund.

A respectable and ethical business would have looked in to this and said we see where the mistake was made, thank you for bringing this flaw to our attention so we can correct it. We will issue your refund.

But we don't live in a perfect world. Our world is greed in our government and it is disappointing. I paid for insurance that was never suppose to be issued and a refund ain't in my future because the marketplace won't admit my complaint is Valid, and is about Medicare coverage not a termination date complaint as some employee altered my complaint to read! Ambetter from sunshine health will not issue a refund with out updated file of cancellation from marketplace health insurance.
But the even bigger suprise is when marketplace insurance told me they have nothing to do with my enrollment stating I enrolled myself, so they have no control over my enrollment, voiding the application, or updating. WOW.

If this is all legit why did the marketplace insurance rep direct me to the website to fill out the enrollment form, instead of asking for my information and enrolling me herself. Why, It's my opinion they know the website is flawed, and once they get your money you are not getting it back!

2025 is my 3rd year using Healthcare.gov. It's very difficult to find insurance where our doctors are In-Network. When my premiums almost tripled from 2024 to 2025 I searched for a new plan for days. I finally found one in which my doctors were in-network. After signing up for a plan, that said my doctors were in-network, and paying the premium, I find out that NONE of my doctors are In-Network. The filtering for providers is completely unreliable. I still haven't been able to figure out how to know which doctors are in-network and not because it seems to change randomly from week to week according to healthcare.gov.
This happened to me the first year as well but I found out within the enrollment period and was able to switch to a plan the included my doctors. This year I'm stuck either not seeing my doctors or paying high out of network pricing or seeing complete strangers.
This "service" is such a joke.

NO STARS. I'm 2 years into cancer treatments and these low-competency morons cancelled my coverage despite providing the required tax submissions and papers SEVERAL TIMES. And you get a variety of answers every time you call. Now I just might die getting cancelled when the right hand doesn't know what the left hand is doing. None of us deserve this.

Would give none, what's the point if you end up paying them back for garbage ass insurance. Never used but owe the IRS thousands of dollars for nothing. They should take this shit down.

STAY AWAY! I owed the IRS close to $3000 in 2023 because healthcare stated that I had not put in the correct information on my application. So for 2024 I decided to call them and have them help me do my application for 2024 and STILL I now owe the IRS $4000 because of the healthcare! STAY AWAY! They say they will save you money only to take that money back from you at the end of the year via the IRS. ALSO the insurance isn't even good. 90% of the time the doctor doesn't even accept their insurance. The tax representative even told me this and I have a family friend who told me the same thing. Please stay away and save yourself money. I made the mistake twice.

Over the past two years they have cost me over $20000 because of their mistakes! Signing me up for the wrong policy. Then not telling me that my policy is based off TOTAL household income and not just mine. As long as the agent gets their money guess it’s okay.

Ive tried 3 seperate marketplace "insurance" plans. All were trashcan products with very few doctors accepting them. Almost two years waiting to get a colonoscopy. 2 YEARS!! Nothing but delays and denials. AVOID!!!

Well. Of course I got the run around. Had to call 4 times to get a straight. Third time Zaria was helpful. Your staff need a lot more training. Especially in the fraudulent account area

I attempted to cancel one policy and open another with a different insurance company and the rep. did the reverse. It literally took hours to figure out what happened. When I had the new policy reinstated, I paid the premium and the rep. said it would take up to 30 days. Three weeks later the policy was terminated and I was refunded the premium with not explanation. Mind boggling ineptitude.

In reference to Healthcare.gov, has anyone else checked the box on their application that says:
“No Mail” However, this organization consistently disregards your personal request and sends mail? Mail that constantly has HIPAA violations. Mail that includes your income information. Mail that says:
Important “We are going to stop your financial help if you do not send us more information”
Ethics violations on top of violations. Guess how many of these letters with my personal information was mailed to my neighbor in error or never maide it to my mailbox? Four. I have (informed delivery) from the postal service. The letters have been placed in my neighbors’ mailbox. Never made it to my box. That’s why I have requested each and every time “no mail” because I live in an area where mail gets lost constantly. Furthermore, isn’t it cheaper just to send an alert to my designated phone number or email address to make me aware of correspondence that I can securely download/access and read electronically? Why mail physical letters containing my personal information and HIPAA violations? Is this an attempt to embarrass applicants or cause unnecessary stress?

Most representatives who work there are uninformed and unhelpful, they really just hire anybody. Robbed me of my money without providing coverage.