My experience to to be very similar to everyone else. This was my only option to get since I enrolled after the enrollment time was closed. After what I believed I was enrolled since they took my first payment it appeared I was never entered into the system. I had medical bills that I was told would be covered since my plan started the day I enrolled and were not. I took them forever to find that I had payed and enrolled. Still I was not reimburse for some medical expense I was told would be covered while my plan was set up. Suck a waist of money .