A T.

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.