In 2014 we enrolled in Obamacare after my husband lost his job when diagnosed with epilepsy. We send in our premium on, got our cards and although the premium was much higher than we ever anticipated, we thought we were all good. Month 2 – sent our premium in and rec’d a full refund saying we were cancelled due to non-payment AND open enrollment was closed so we were totally screwed. Very disappointing. The ACA leaves working class out to dry. We make “too much” for any subsidy but ACA doesn’t take into account ANY expenses! Only income. That’s a recipe for disaster.