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.