Wow!  How I wish I had checked out Yelp prior to signing up for Obamacare 2015 this past Saturday.  To be fair to Health Net, the person most guilty for this catastrophe was ... ME.  Why?  Because when I signed up for Obamacare 2014, I chose HealthNet and knew back then what a piece of garbage this company was ... and yet, I actually gave them another chance for next year, too?!?!?  Talk about stupidity!\n\nLast January, they not only never responded to my application via the AZ exchange, but when I called them two weeks later after applying online -- and dangerously close to needing my insurance for January 2014 -- they couldn't find my application (even though they sent me something online saying I was approved and they would be debiting my first payment from my bank account).  They told me to call back on Monday to check with their accounting dept. (it was a Friday).  When I called on Monday, the accounting department told me they had the application, but even though it said on their online application that they'd debit the first month's payment, that was incorrect and I had to call in and authorize the payment.  When I tried to do that on Monday, they then told me that the payment they wanted to debit me did not match the amount quoted online and that they'd have to review the application, but by the time it was cleared up, there would be no way to make my policy ready for January; it would have to go into effect in February 2014.  \n\nBy this time, I had called them several times; one person didn't seem to know what the other was doing; they were giving conflicting information from one agent to another; and two agents couldn't find me in the system; another said they found me, but the application was not approved by the underwriting company --- even though, by law under Obamacare, there was nothing to approve or disapprove, unless fraud was involved --- and another agent told me a quote $200/month higher than what was quoted online.  Needless to say, I immediately sent a certified letter requesting immediate cancellation well before the policy would've gone into effect two months later.\n\nGUESS WHAT?  On 01 February, they debited my account.  Luckily, Wells Fargo was a bit more efficient when they immediately reversed the debit and that stopped Health Net from debiting me again as that little reversal cost them $20 in chargeback fees.\n\nI wish, I could say all was well after that; but I ended up with Humana and that's a little Hell in itself.  However, that does not excuse my stupidity in signing up AGAIN on 15 November and three days later, guess what!:  they can't find me in the system.  This time, I went to Healthcare.gov and cancelled before they could ever get their hands on my info.\n\nIn spite of Humana ...\n\na)  Assigning me a primary doctor I never heard of and taking 6 months to fix it;\nb) NEVER sending me a new card reflecting the new doctor's name, because;\nc) they kept putting my home address down as my mailing address, from which mail sent there is returned ... even though they were told for 7 months to change the address and it was allegedly changed;\nd) screw ups with their prescription mail order service;\ne) raising rates on my policy effective 2015, which is actually higher than what's on Healthcare.gov for the same policy;\nf) and raising the tier level for my GENERIC drugs ...\n\n... they are STILL better than Health Net.\n\nNonetheless, I wish the employees of Health Net and Humana just a tiny bit of the experience they put me through throughout 2014 and hope that the little piece of Hell reserved for insurance agents and bureaucrats isn't too overcrowded with their former employees.\n\nHave a blessed day