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    HealthCare.gov

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Trustpilot
2.8 / 5
Corporate Values

Overview

HealthCare.gov has a consumer rating of 1.44 stars from 301 reviews indicating that most customers are generally dissatisfied with their purchases. Consumers complaining about HealthCare.gov most frequently mention customer service, insurance company and market place problems. HealthCare.gov ranks 13th among Affordable Care Act sites.

  • Service
    40
  • Value
    40
  • Shipping
    15
  • Returns
    19
  • Quality
    35
Positive reviews (last 12 months): 10.3%
Positive
4
Neutral
1
Negative
34
View ratings trends
4
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What reviewers want you to know

Positive highlights

No positive highlights yet

Critical highlights

  • She was determined that I was wrong instead of realizing that MAYBE I DID obtain health insurance.
  • Poor customer service and not disclosing that at Tax time you will pay thousands of dollars!
How would you rate HealthCare.gov?
Top Positive Review

“Great customer service”

Wendy S.
9/9/21

I recently had to change my application for insurance via the marketplace. I didn't find my situation listed on the website, so I called. I spoke with C. King (I am naming her in hopes of a supervisor seeing my review, if anyone can make that happen) She was very knowledgeable, polite, answered all of my questions and helped me resolve the issue.

See positive reviews
Top Critical Review

“I apologize to every DMV I ever got mad with”

Daniel L.
3/4/20

Stay away, turn around and never come back. I wish i could go back in time and never even think about healthcare.gov ever again. You will leave this place with less of yourself than when you first signed up. The accountability of customer service is the worse than anything I have ever experienced, I still think I'm going to wake up from this nightmare any minute, unfortunately I'm not. If I can save one person from this dreadful experience, the world will be a better place.

See critical reviews

Reviews (301)

Rating

Timeframe

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Reviews that mention popular keywords

health insurance (56) customer service (37) insurance company (14) market place (14)
jasonp1325
1 review
0 helpful votes
January 14th, 2022

No one ever knows what's going on at this place. Everyone tells you something different. I had pay, a higher premium I couldn't afford only to find out they screwed me up. I was supposed to be getting more subsidies. The mentally challenged employee I talked to never even apologized. This worthless govmint agency needs to be completely abolished. The healthcare industrial complex just needs to implode on itself. I will be happy to see that happen. Just proves NOTHING ran by the government EVER works.

daniell693
1 review
18 helpful votes
March 4th, 2020

Stay away, turn around and never come back. I wish i could go back in time and never even think about healthcare.gov ever again. You will leave this place with less of yourself than when you first signed up. The accountability of customer service is the worse than anything I have ever experienced, I still think I'm going to wake up from this nightmare any minute, unfortunately I'm not. If I can save one person from this dreadful experience, the world will be a better place.

michaelm8027
1 review
8 helpful votes
November 7th, 2021

You've got to be kidding me. The cheapest coverage for me is $800.00 a month. So two weeks of my pay on top of my $900.00 a month rent. So another two weeks of my pay. That leaves me 0 left for my $300.00 a month auto insurance. I am at $2000. 00 a month without paying any bills or putting any food on the table. What the hell is wrong with this country? Who the hell can afford to live anymore? Insurance is out of control! Something has to give soon or we are all in trouble!

Tip for consumers:
Why I don't qualify for free or cheap insurance like I keep seeing and hearing about.

Value
courtneyd144
1 review
9 helpful votes
November 2nd, 2020

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.

suzannem739
1 review
6 helpful votes
November 9th, 2021

I found out in October that I was no longer able to get my employer medical coverage. I filled out the application at Healthcare.gov to see what was available. After filling out the entire application I was told I was not eligible because I still have coverage. The application asked if I had coverage until December 31. I answered yes but my coverage ended that day. I called up Customer service who treated me like a child. I stated that the application at NO time asked when my current coverage ends but only asked IF I had coverage until year end. "You don't know what you are doing" he kept telling me. After explaining 4 times the problem he said "Clearly you don't understand. I will walk you through and show you where you went wrong". After 30 minutes of his attempting to show me I was wrong, he apologized and stated that the application was programmed wrong and no longer seemed to have the same questions asking WHEN current coverage ended and when coverage was being requested for. He said, "WOW, no one will qualify for coverage how this is programmed!" Is this a simple programming error or a ploy to avoid new coverage? He did some work on his end and I received a new notice that I not only qualified for 2022 insurance plans but should qualify for the government discount. Without taking an additional hour of my time and refusing to accepting NO for an answer I would not have the pleasure of seeing plans starting at $1300 a month that cover virtually nothing and have ZERO providers within 60 minutes of my home! And this is supposed to be 'good coverage'. So much for making sure all Americans get medical treatment and coverage. If I were not a Citizen I would get better care for ZERO cost to me! Thanks...

mattheww859
1 review
5 helpful votes
November 5th, 2021

Its a scam to sell your information to insurance companies. I never got a quote. I just received 10 calls a day from people selling me insurance. 3 months later and I am still blocking numbers. If you choose to sign up, Don't give your real number. They will call none stop. Its sad our government runs a scam to sell our information. This should be against the law

Tip for consumers:
Skip this scam to sell your phone number

Service
Value
Quality
cw435
1 review
8 helpful votes
January 6th, 2020

Worst customer service ever. Wish I could remember the man's name. Total a**. Asked a simple question and he went on a rant about how people never report things right and expect them to fix it, etc. All I did was ask how many paystubs I needed to send in, because I already sent 2 and got back a letter saying I needed more proof. Like what more proof do you need? I get same check every 2 weeks... do the math people.

teresal8
2 reviews
5 helpful votes
November 9th, 2020

I had to go through hell and back to attempt to log i to HealthCare.gov. I ended up sending a request to change my password. I answered every one of the security questions correctly, but then I received a message that I attempted to log in too many time and to try back in an hour. Piece of crap web site. Not only that, I received notice that my health insurance increased from $877 to $950 and I go to the doctor once a year.

connies902
1 review
6 helpful votes
November 3rd, 2021

I found a plan on healthcare.Gov for $217 a month. It was the worst insurance I have ever had. My doctor was listed on their site as if he was in network. I found out later that he's not in network. I ended up needing a medical procedure so I called and asked can it go toward my deductive. They said no. So $3k out of pocket plus other visits associated with the surgery. I received the next bill and thought they'd cancel due to non payment. Nope. They sent another bill. Now they think I'm going to pay them $430.
This $#*! should be illegal. Oh, it's the government so it's ok that it's not legal

Tip for consumers:
Do not go through health are.Gov. There are several companies you can get insurance for around the same price, that works.

Service
Value
Quality
hillaryw13
1 review
11 helpful votes
March 4th, 2020

Marketplace is nothing but trash. I'm offended that this is acceptable for the people of america to have to deal with. Every single time I call in they do not have any idea of whats going on with my coverage or the fact that I even have coverage for that matter. Usually end up 3 way calling between my actual health insurance to get anywhere with them taking up lots of time.

susieg48
2 reviews
2 helpful votes
November 20th, 2021

I've never applied but got charged 700.00 last tax season called them to tell them I never wanted it & I'm still getting mail from them asking for income proof that I dont send cuz I don't want it & thats what they did last year it says you will get disqualified if you don't reply but dont be fooled they still enroll you then hit you with a fine for insurance you didn't know you had nor used STAY AWAY FROM THESE PEOPLE

Tip for consumers:
That they scam people rather than help them especially when we didn't even sign up with them in the first place

Service
Value
Quality
ha33
1 review
0 helpful votes
December 14th, 2019

This is purely a one person customer service review. After hours on the phone with a sleuth of of people who kept dropping my call and had absolutely NO clue what they were talking about (I was only trying to reset my password and re-enroll for goodness sakes!) finally got someone to help me and answer all my questions. Thanks Delilah! (*one star deducted because the others were so pain stakingly terrible).

peggee
1 review
7 helpful votes
February 2nd, 2020

I signed up for coverage it said all my doctors are listed NO WERE DOES IT SAY Tear 1 or Tear 2 you have to wait for the book to come. I signed for this The Plan I selected 5/20 $ generic meds now I am being told all my doctors are 70% 30% percentage. A customer service rep I just talk to told go head and speak seriously FU I spoke know.
NEW JERSEY SUCKS BIG TIME. GO AHEAD DONT HELP THE AMERICANS BUT YOU HELP EVERYONE ELSE

carolc1186
1 review
1 helpful vote
November 16th, 2020

Not very friendly customer service representatives. I have had several representatives put me on hold and never returned because they don't want to attempt to solve my issue or even transfer my call to a supervisor, apparently this is their new way of hanging up on you so that you don't get to answer the reviews at the end of the call. They want the customer to hanging up first. One time I was placed on hold for 3 hrs, yes you heard it right. I had to end the call. You need to do better this is about people's health coverage.

ninab181
1 review
5 helpful votes
January 7th, 2020

Absolutely the worst customer service even when you ask for a manager or supervisor they are rude, uneducated about the process and brush you off easily to figure it out or help yourself. WHY ARE THESE MY OPTIONS FOR HEALTH INSURANCE? I'm paying them with my tax dollars and on the phone for over an hour and still can't get it right!?

jessicad958
1 review
4 helpful votes
March 25th, 2021

Wish I could give them a -100000000! I am so sick of getting hung up on and treated like literal trash from this company! They are suspicious as hell and lie about information! I have been on a plan since with Florida Blue that was helping me receive coverage until I added my pregnant daughter to my existing plan. I was told if any changes are made in the household I would have to call to update. Instead of adding her to my existing plan, they didn't add her, they just changed my whole plan completely without my knowledge. We are now drowning in bills because we thought we were being covered by the plan I was told but instead are paying a premium a month for a high deductible plan that we are never going to reach! I have spent countless hours on the phone with them to help get this resolved and all I get in attitudes, getting transferred and getting hung up on. I am so frustrated and fed up I don't even know what to do anymore!

mikaylah19
1 review
2 helpful votes
August 19th, 2020

I put my phone number in thinking ONE representative would call me about plan options. NOPE. Within an hour I had 12 missed calls from all different numbers so I didn't even bother trying to call anyone back and now it's been 24 hours and I'm up to 62 MISSED CALLS. I've now had to put my phone on do not disturb so that every 5 seconds I'm not rejecting a call.

shawnm291
1 review
2 helpful votes
December 15th, 2019

I've been to porn sites that are more intelligent and streamlined than this nightmare. Tried to enroll 3 times, each time it asked me the same information that I had already just given, and then about midway through it just says the server is down. All I wanted to know was what plans covered what and whether I qualified. The working poor and middle class people I have talked to tell me the prices are outrageous anyway and barely cover anything. I guess I'm just going to have to pay out of pocket up front for my primary and if a catastrophic event happens I'm screwed.

darcis6
1 review
10 helpful votes
February 10th, 2020

Would absolutely recommend no one EVER signs up with healthcare.gov. Absolute SCAM! Make sure you know the fine print when signing up - they have the right to auto enroll you for the next 5 years without ANY consent or knowledge! The coverage is horrible, never have any health care providers with availability in network. Its just all garbage. And again, they enrolled me another year WITHOUT TELLING ME! So now I owe them for insurance I didn't know I had and NEVER signed up for..

georgiab111
1 review
2 helpful votes
September 24th, 2020

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!

jr585
1 review
0 helpful votes
September 22nd, 2020

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.

hubertl15
1 review
6 helpful votes
December 7th, 2019

I would like to inform the US government and everyone on particular that the supervisor of the marketplace.gov her name is KiKi Feven was so rude and yelling at me for asking questions. She sent me away to do it by myself or find somebody else. She is so unprofessional, and she needs to be trained properly to deal with customers not to tell at them. She is not qualify to be a supervisor. She has bad temper.

mikea1969
1 review
3 helpful votes
October 7th, 2021

My wife and I tried to add our new baby to our marketplace insurance plan but the marketplace representative was not sure how to do that. We talked to another marketplace representative who mistakenly canceled our plan and made a new plan. Now we have no insurance until the new plan takes effect. Total mess and very stressful at a time when we need stability the most.

Service
Value
at144
1 review
2 helpful votes
April 7th, 2020

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.

terryb581
1 review
6 helpful votes
April 9th, 2020

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.

Q&A (12)

Answer:

BECAUSE THEY ARE UNEDUCATED IGNORANT PEOPLE THE FEDERAL GOVERNMENT HIRED. TRUMP NEEDS TO FIRE ALL THEM AND SHUT THIS DOWN. THEY HAVE YET AGAIN SCREWED UP MY PLAN AND MY DAUGHTERS 15 CALLS LATER AND I RENEWED IN NOVEMBER... THEY DELETED ME AND PUT MY DAUGHTER... JERKS THEN GAVE HER A MESSED UP PLAN

By SARA A.
Answer:

BECAUSE MARKETPLACE NEEDS SHUT DOWN

By SARA A.
Answer:

I got one too and they refuse to fix it. Total scam.

By Dale S.

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About the business

The official website for the U.S. Government's federal health insurance marketplace, as described in the Affordable Care Act of 2010.

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