It appears that the reviews on this site may not be entirely impartial, as they seem to be written by internal employees. A lot of false information. If you are really looking for health insurance coverage do yourself the favor and reach out to a licensed health insurance agent that can assist you navigate through this process of purchasing a health insurance plan. Looking for health insurance is a personal experience and not to be dealt with a person who does not know what is going on behind the scenes. Just contact the marketplace or the insurance carrier directly.