Haven't read the other posts but my experience with the so-called "health insurance" that is purchased through the healthcare.gov website is that it is like most government programs - (I'm not allowed to use the kind of language necessary to accurately describe this travesty that was shoved down our throats by Nancy Pelosi, Chuckie Schumer, Barak H. Obama and their cronies).

The plans available in my area mostly barely qualify to be called insurance policies. If you have a reasonable deductible the premiums are outrageous. If you opt for an affordable premium the deductible will encourage you to stay home and doctor yourself. The prescription plan portion is usually a joke. When you tell some doctors and/or hospitals what insurance you have they will treat you, but you get the old "stink eye" look. A few will tell you to go elsewhere. There are strict limits on which doctors and hospitals you are allowed to use.

In short, it stinks to high heaven.

Just my opinion and experience.