What everyone else has said. First I pay full boat no sub for this guy. After 4 months I finally have portal log in with correct address plus receiving cards and policy. Seems like easy fix but I suspect same people who developed Obama care web created theirs. If you want to talk to somebody you got to be persistent and figure on having it done several times before it sticks. Payments take 15 days plus to process if you pay any way other than the Meritus portal. I send my online bank payment 12 days in advance....my bank shows delivered in 4 days but they take week to 10 days to enter. Then quickly cancellation and late payment letters....how about log in the check sent? With new forced heath care I cannot switch till next period end of 2015(I cannot wait). Complained to State and they are identical in time and effort to help you. Thank you US Gov for fixing my heathcare!