Agents may have enrolled some consumers in health coverage through HealthCare.gov for 2016 or 2017 without the consumers' permission, according to officials at the Centers for Medicare and Medicaid Services. (Source: Welltheos, a private exchange platform designed for consumers, brokers, and agencies.)
Online applications make it easier for unscrupulous agents do this mischief. More consumers and agents may be using online Direct Enrollment for 2018 plans since Open Enrollment is limited to only 45 days this year: November 1-December 15, 2017.
The Affordable Care Act makes it very difficult to undo problems and almost impossible to buy different health insurance after Open Enrollment closes.
Choose a licensed and certified health insurance agent. Get in touch with them in October to share your information, get advice and make certain your application is properly filed during Open Enrollment (Nov.1 – Dec. 15, 2017).
An agent's services should be free.
Jerry S. Pearlstein Insurance LTD, licensed and certified Affordable Care Act Experts.