Blue Cross Blue Shield Retroactively Cancelled my Insurance

I never missed a payment in 32 years.
Not one,,I went out of town , my bills were set up on direct draft . I had someone fraudulently use my card The bank noticed this fraudulent activity ant held my card in limbo. Therefore, causing my policy to laps. BC/BS did not call me, did not email me They said they sent a letter, in fact two letters. I was out of town for 3 months . When I got back they treated me like dirt and denied me service forever. Because when I tried to get reinstated. , get this, I had a preexisting back injury that I have had for the last 9 years. Now., pardon my language, I’m FU##ED!!!!!

Accidentally missed June Premium BCBS Plan F. Not notified even after paying July until I received a letter on July 27th dated July 22nd saying the policy is terminated. I paid August and the lady on the phone took the payment I inquired to be sure I was paid up and she yes. The letter says I was terminated on 5.31.21 WHAT IS GOING ON AT BCBS?? Can I be reinstated??

wrote for mother

Blue Cross of Michigan cancelled my policy claiming I had not provided proof that I was not receiving any other coverage’s (I.E. Medicaid). I enrolled in the 2018 enrollment year in December of 2017 and paid my first months premium KNOWING that I would be receiving the tax credit to make up the rest of the total premium amount.

I started with coverage in January of 2018 and continued to pay my portion and the market place (Governments) tax credit January, February, March, and then sometime I April, Blue Cross claims they sent me a notice to provide proof of no other coverage’s. I must have missed that letter and continued to make payments.

I was not made aware that the Market place had stopped the tax credits on my premium until June 2018 when I received notice from Blue Cross they were not going to honor claims after May 25, 2018.

I immediately spoke with representatives from Blue Cross and the Market Place by 3-way to discuss this problem to try and get this rectified. At the same time, I gave Blue Cross confirmation that I was not receiving any other coverage (I.E. Medicaid) and their webisite acknowledged this.

So in May 2018, they were informed that I was not receiving any other coverage but was not notified my policy was cancelled effective May 25, the same month which is what was ultimately told to me in June via US Postal Service Letter.

On May 25th after contacting BC and the Market Place, I faxed an “Expedited Appeal” form to the Market Place to review my situation in the hopes they would be able to retroactively pay the tax credits for May and June since it was Blue Cross that had notified the Market Place I was not in compliance with uploading or providing ‘Proof’ of other coverage.

I say that Blue Cross informed the Market Place, not the other way around, because when I enrolled for 2018 going through the application process, the Healthcare website through its “Eligibility” notification even stated that I, “David Gerhardt” was not entitled to other coverage, specifically ‘Medicaid’ and if that was the case, why then would Blue Cross claim I didn’t prove I had any other coverage when the Government website itself stated i wasn’t entitled???????????????? I would not even had been eligible for Market Place tax credits if I HAD medicaid and therefore would not have been able to sign up for the Blue Cross Silver Extra Detroit HMO and yet, Blue Cross cancelled my policy, had the Market Place cancel the tax credits (without my knowledge) and left me having made two more monthly portions of my premium (June July) and accepting that money saying that money was to ‘Pay off’ the balance they claimed I owed them.

None of this should have happened.

None of this is right.

They took money from me on a policy they retro actively cancelled.

My Appeal with the Market Place was approved and the Healthcare.gov entity would have paid Blue Cross some $1400.00 to pay for May and June to bring the account up to date but Blue Cross told me they couldn’t reinstate me because my policy was terminated. Never mind I was on the phone with Blue Cross in May explaining that I was in appeal process with the government. They knew the situation and yet, even after waiting 40 days for a response from the Market Place, they still kept my June and July portion of the premium payment and knew the Market Place was going to give them the balance of the premium amount and claimed they couldn’t reinstate me.

Does anybody understand this?

I’m going to pursue this further.

I have no idea what will happening even after writing this comment on ‘Obamacare Facts’.

I actually got a notice my Insurance was going to be cancelled because I was 90 days behind (with a couple weeks warning). The website showed me as a month behind, and even though I’d paid what it said was my minimum due online they insisted I had to pay all 3 months to keep my coverage which was prohibitively expensive. Still I scraped together what I could and paid the entirety of what it showed online hoping it would be enough to buy me time to come up with that one ‘extra’ payment.

The website would not let me pay all of what they said I owed when I called to ask about the notice but I’d already submitted my payment online and didn’t want to double-pay. I can’t afford that. The payment went through and I was hoping that meant I was in the clear, but today I see they’ve sent it back to my card and I’m certain I’ll be getting paperwork soon saying my policy has been cancelled. I plan to appeal once I have the information on how to do, but if I still feel that if I paid what it said was my entire amount due online and had it successfully debited from my account I shouldn’t lose coverage even if I was behind.

I also have been canceled due to non-payment. My mistake was not noticing on my bank statement that the auto payments were not going through. The whole coarse of coverage I have not received anything by mail from BCBS. I received one email and that was only to inform me my coverage was terminated 2 mo previously due to non-payment. I checked my bank statements and found out no payments were taken out. I called BCBS and explained that I had not received prior notice and that I wanted to make all payments due, but they said there was nothing they could do. My only complaint is after several complaints to BCBS of not getting statements, explanation of benefits, or a coverage booklet by mail they never offered to email anything. The only email sent was 2 months after the policy was canceled with no way to remedy it. I take some responsibility for not noticing that the auto pay was not working, but they could have tried to communicate. I am now left uninsured with serious health issues. I will also be forced to pay for thousands of dollars in medical bills that will not be covered since I thought I was insured and was not and went to the hospital. If I would have just been notified sooner I would have corrected the problem and everyone would be happy.

I was up to date on all my payments then BCBS told me it wasn’t in there computer that I started when I did…that left me with letters from the hospital and a bill that they didn’t want to claim so I became behind on payments trying to rectify the situation and now my coverage has been dropped though I’m I’m about to fax proof

I am in a bitter battle with Fla Blue to reinstate my coverage. It’s outrageous how that company behaves

My husband and I went to the doctor yesterday and when I went to pick up our monthly, very necessary, prescriptions for my husband and I, we were told our coverage had been terminated! We were fortunate when we enrolled through Obama Care to be qualified for a plan that was covered 100% by our tax credit, so we have a $0 premium. I called the insurer (BCBS TX) and was told that they had not received the subsidy payments from the marketplace for the last two months! I called the marketplace, who escalated the issue because we have less than 48 hours worth of life sustaining meds which would cause emergency medical issues if not received. But it will still take five days to review, and could take up to 30! We did nothing wrong. We got no prior notice. We just got canceled, because the healthcare marketplace dropped the ball on THEIR end for some reason that they were not able to give me answers for! My husband and i are both panicking, as we have 5 kids to support, and can’t both end up in the hospital… ESPECIALLY since we presently dont have health insurance!

-Panicked and Scared in Texas

My dental insurance was cancelled without notification and they said it was none payment because my payment was declined. How could my payment be declined since I couldn’t make payment because my account didn’t exist. Then they didnt want the new contract for 90 days. So everything was delayed.

Just found out my bcbs dental insurance was cancelled. They said that they had a form signed by me to cancel, but upon looking that could not find said form! Of course I had a claim during this time period. Finally after a couple months of no reimbursement, I phoned. “They are working on it”. But in the mean time I have no coverage! This was they’re mistake. Is this legal?

We are also Self-employeed and we’re insured with BCBS of NC. We were paying our bills through autopay and apparently missed a payment for May 2017, although our bank never contacted us about an overdraft. We got no phone call or letter in the mail about it and then received a paper bill for June saying that we owed them 2 months of payment. We called right away to see what the problem was and we were already dropped, so couldn’t make the payment. They claimed since we signed up through the marketplace that we had to take it up with them (which makes no sense to me since I’m not paying the marketplace, I’m paying BCBS). Anyway the marketplace filed a claim for us, whatever that entails and we we’re still dropped. Nothing we can do but wait until next year to get health insurance and then pay whatever fine we have coming to us. Seems really messed up that they can drop you without giving you any options to get new insurance, and then you still get fined for not having insurance?!?

I had set my BCBS insurance for automatic payment and after 3 months of having the payments extracted automatically from my account, BCBS said they had an error taking out the automatic payment so tried to call me to fix the problem. It was not until my plan was canceled that I received a written notice in the mail regarding that my payments had not been made. If they had sent me a written notice via mail I would have been able to take care of the issue immediately. When I called BCBS to fix the problem and reinstate my insurance, they said I was no longer eligible to reinstate my insurance and proceeded to put me on hold for a 47+ minutes when I asked to speak with a supervisor. I am curious for their rational that I was no longer eligible seeing as my account information never changed and the error was most likely on their end seeing as all my other automatic bills got paid that month….

I unfortunately have Blue Shield. The deliberately put me on a plan my agent & I did not sign up for. Of course the plan they put me on cost more!! I called my agent explaining what they did. I had my account set up on automatic deduction, because I didn’t want them to say my payment was lost in the mail. Blue Shield continued to take more out of my account ignoring the agent who called & verified that wasn’t the plan we both signed me up for. Finally after numerous calls, of course waiting on hold forever, & continuing to have to give out my insurance number, a man told me he would remove it from automatic deduction & have my next payment be less to repay me for them taking out to much. The following month I was shocked to receive a letter saying my insurance was cancelled, even though I could easily prove I had paid in full. Blue Shield has my email account they fill with garbage every month, but they never sent any notice of a cancellation there. Luckily I wasn’t out of town, because the letter said within the week I would be canceled EVEN THOUGH I HAD PAID IN FULL. I called my agent again & sent proof all my payments had been paid. I asked her to tell them to remove me from automatic payment, but this month AGAIN Blue Shield swooped in & took my premium earlier than when it was due. I contacted the agent AGAIN, asking how they could do this if I was removed from automatic payment. She again said they removed it & I asked this time for PROOF. She said they wouldn’t provide proof of this, interesting how they won’t do that, but she gave me a reference number. This entire year has been hell dealing with this, and I have to have this no good, shady company another five months before I can change. What’s interesting is on other calls I’ve made to Blue Shield about other questions, I have always received a recorded message within 24 hrs. wanting me to give a survey on customer service. Not once during this year & all these problems have I received this survey call. I have never even cost this no good company any money, but I know they want rid of me because of my age. I had Blue Cross before & they were even worse.

I missed two payments put received no notice of cancelation.

I was trying to catch up but I had some questions about my bill so I went to the BCBS office in town. Their were old charges for a former dental plan on my bill. It was confusing and I wanted to understand it. They said nothing about cancelation but my plan is with Blue Care Network so apparently the BCBS office doesn’t have access to all my information.

After that meeting on the same day I tried to schedule a surgery that was 4 months away but the hospital said my insurance was inactive. I called the exchange and they said it was inactive. I called Blue Care Network several times and they said it was cancelled for nonpayment. I explained I had a current bill and wanted to catch up. They claimed billing it was a billing error.

3 days later I got two letters from Blue Care Network. One was a bill. One was a cancelation notice. I payed the bill anyway with a credit card to see what happened. Blue Care said they would refund my payment and they gave me the same answer about a billing error.

Yesterday, about two weeks later I went into the BCBS I got another bill. I could pay and make my coverage current but they won’t let me. Infuriating.

I have been canceled from BSoC without any notice.My wife had a major hospitalation a month prior and now I have no insurance. I have been calling for a reinstatement. But it is a run around. A different excuse every time. There should be mandates from the state that a cancellation can only happen when the customer is notified by a certified letter. I know there has to be more of the same story as mine out there and would like to know if there is a law suit that address this matter.

Curiously, 1 month ago I received a notice from my insurance company, Blue Shield of California. Important to note: this was a new plan, only 2-months old and I’m on direct bill pay with them. So, I receive a notice that my plan was being cancelled for non-payment. I check my bank statement and see that I did indeed pay and on time. Call #1 to BS led me down a 35 minute rabbit hole with ill informed customer service reps. Finally it’s brought to my attention that BS was migrating their billing system and that my payment in a glitch was not credited but they would handle ASAP. Ok cool. I was annoyed but grateful we found a relatively quick resolve.
Last month I receive the same notice again at the end of the month. Irritated, I checked my bank statement to confirm I had indeed made my payment. CHECK. Time to go through the BS customer service muddle, again. Call #2 I’m armed with names, extensions and resolution reference numbers I’m passed between 3 reps. while trying to explain what happened last month and that the glitch had not been fixed. I assumed it would be swift fix. BS ate another 45 minutes from my life to get to the same conclusion we got to the month before. They apologized. The sweet guy on the end of the line promised me he would handle the glitch situation personally and has put an accelerated attention tag on it. It should all resolved in the next 5 days. He was sweet enough to calm my bitchy.
5 days later I receive a letter confirming the cancellation of my insurance. Disheartened and completely freaked out, I dial that 800 number to hell. Call #3, super sweet dimwit who lacked listening skills, tugged to take me down another rabbit hole. I resisted with warranted shouting, “you realize you have taken my money and cancelled my insurance?” “What if something happens to me” “This has to be illegal!’ I throw reference numbers and complete logs of past conversations with dates, names, and times. Another 45 min in and much of this time I’m on hold while they are “researching.” How much research is needed to once again say they fucked up? She comes back from research to say, yes indeed my insurance has been cancelled. DEAD AIR. She offers no “BUT here is what we can do…” I’m about to throw my 6 across the room (I’m up for a new phone, so) I ask where we go from here? And again yell, “you realize, you took my huge premium and cancelled my insurance?” She apologizes and whines, “I know this is frustrating ma’am but there is no need to yell.” I told her I disagreed. After some back and forth she said she could see the premiums in the old system. She said the course of action would be another accelerated attention tag to reinstate my insurance. She assured me it would not be a problem again. However it would take 10 days to reinstate and until then I’m not covered.
Today is day 9 and I still haven’t been reinstated. I know because I’ve been checking everyday, as this is first time on this plan that I actually need to go to the doctor. It’s non-emergency . With the vote today, I can’t help but think this is all wrapped up in it. Given the past history of this situation, chance are I won’t be reinstated tomorrow. This could be a continuing process that may include changing providers at a time when preexisting conditions will be scrutinized and frankly probably not covered. I have a preexisting that kept me without health insurance for most of my 30’s because of the high costs or lack of coverage. I’ve been lucky enough to have been consistently insured for the last 9 years. Thank you, Obama. I can’t fathom life without it at this point in my life. Could this “GLITCH” in the BS system be a way to start weeding people out? I know it’s probably just a coincidence but still….

BCBS CANCELED MY INSURANCE. MY PREMIUM PAYMENTS CAME OUT OF MY CHECKING ACCOUNT AUTOMATICALLY EACH MONTH THEREFORE I NEVER THOUGHT THERE WAS ANY NEED TO VERIFY THAT BCBS WAS TAKING MY PREMIUM AND THAT IS EXACTLY WHY I HAD THE PREMIUMS ON AUTO DRAFT. BCBS STOPPED DEDUCTING THE PREMIUM FROM MY CHECKING ACCOUNT FOR NO APPARENT REASON AND THEN LATER CANCELED MY INSURANCE. THEY HAVE NO ANSWER FOR WHY THEY STOPPED TAKING THE PREMIUMS FROM MY ACCOUNT, AND THEY NEVER CALLED ME TO TELL ME THE POLICY WAS GOING TO BE CANCELED. I DIDN’T SEE ANY EMAIL NOTIFICATION FROM THEM OR GET ANYTHING IN THE MAIL SAYING THEY WERE TERMINATING MY POLICY ALTHOUGH OF COURSE THEY SAY I WAS NOTIFIED.

BCBS of IL has tried to cancel our policy retroactively 3 times in the last the months even though each payment had been paid in full early. Also multiple varying bills trying to add a previous month before we were enrolled in the plan.
Warning: they also found a loop which enabled our prescriptions from to keep being denied, most of which were long-time maintenance prescriptions, and also medical access by re-entering unauthorized cancellations which when are corrected but them tumble into other up to 30 day investigations (accelerations). Medical necessity is of no relevance to them even if someone makes it sound as something is. The e-mail also became inaccessible and unable to put through, although a couple of BCBS either lied or read false statements to the health marketplace representative by saying the “customer cancelled” the policies. The premiums had also all been paid in full 1-2 weeks early although later not credited even though withdrawn from our checking account a day after a payment was called in. No one is enabled to put anything said in the phone conversations in a letter or note form, and virtually each letter mailed to our house either had wrong larger amounts billed or a one sentence vague enough to be completely worthless…such as “We have received your change.” with no policy number or any other number reference when we had made no change ourselves.
Put everything in writing,have it notarized, send it in a way someone must sign for receiving it. Do waste your time speaking to them. Even the ones that want to help are not really empowered to do so. They are not your friends (learned that after about 30+ wasted phone hours even though had my notes and reference call numbers.
If you did not have many medical needs before dealing with this company, you most likely will if you try to waste time calling their customer non-service number. After each call averaging about 90 minutes, you will be lulled into a temporary false sense of security that everything has or will be corrected until the same things continue to happen with the company hoping you will give up and just let them drop you because, most likely, you were not profitable for the company to keep. If a member is ill and/or vulnerable, it would be all the easier for the undesirable customer to be disposed of in this manner. I do not believe the individual employees are at fault, rather the multitude of indications point to a systemic fault within the hierarchy of the company.

I was canceled 9/30/2016 for non payment. And had surgery 10/20/2017 and paid all my payments and have the bank statements. Now im getting fine through the irs

We’ve had BCBS here on Florida for the better part of 3 years with no issues. We reapplied this past December (2016) and selected a better plan that was inevitably more expensive and made the first premium payment before January (2017). I received three separate calls from these schmucks asking if I made my payment and if I did please disregard this call. We never received our insurance member cards, we never had any formal indication that our plan had been cancelled. When I called, they said “everything looks fine on our side, but there’s an issue with Marketplace saying your plan was cancelled. Get in touch with them.” So, I called marketplace and explained my situation. Turns out, Marketplace has nothing to do with cancellations once the payment for your health insurance premium has been made! Florida Blue lied to us, and only after my inquiry about what the hell was going on, did they send a payment notice for February with the difference of what our first premium payment was. No calls, no emails, absolutely no contact from Florida Blue about canceling our health insurance. I’m am appalled and very pissed off to say the least with the actions of this billion dollar company. Thank you for nothing BCBS, as I plan on never using you or your services again.

My blue shield was cancelled in October 2015 according to them, however, I wasn’t told and they took my money through December and coverage still worked when buying prescriptions. They then sent back my payment at the end of January and told me it had been cancelled in October, and since I didn’t renew it before the first of the year there was nothing they could do. My wife and I fought it to no avail. In the end we crossed our fingers, payed huge sums for medicine, and made it to 2017 without incurring major debt because of it.

I have just discovered that my insurance has lapsed, perhaps as far back as July or August. I never received an email about this. Another person in my household has discovered the same thing. He called to verify the policies when we received something in the mail and was told there were no issues in either of our policies. We each have our payments deducted out of our respective bank accounts each month. Neither of us have changed banks for anything in our accounts. I wanted to try to resolve this today (Saturday), but they are only open M-F during business hours. How can an insurance company not provide a 24 hour call center for emergency situations to confirm coverage? I will have to call Monday, but it is very suspicious that both of us had “billing” issues that resulted in BCBS (Florida Blue in my case) not receiving payment. During this same period I have had all my other automatic deductions for bills go through without incident.

I am 58 years old. I was on Obama Care for a few months. I went to my mailbox one day and found a check for the amount of $15.32, the amount of my Obama care premium. When I called bcbs and asked why they sent my last premium payment back to me,they informed me that my insurance had been cancelled. I asked the person who answered the phone why my insurance was cancelled and she could not give me a satisfactory answer, so she transferred to something called the market place and this person told me that she would be more than happy to reinstate my policy…. for $380 a month. I asked her why the premium went from $15.32 to $380 a month and this person also could not give me a reasonable explanation. Needless to say, I didn’t get the insurance because I could not afford it. In January, 2016 ,I won my disability and was also awarded Medicaid. However in April of 2016 my Medicaid was also taken away. At least S.S.I.D did give me a 5 month notice that the medicaid would be taken away, however, I am completely without health care insurance. Is it legal for bcbs to cancel someone’s health insurance without notice? I have a lot of health issues and am in serious need of health insurance coverage. Do I have any kind of recourse here? I really need help. Thanks so much for taking the time to read this !!

My father is insured by Excels Blue Cross Blue Shield, in August 2016 he was diagnosed with cancer. On September 30th, 2016 he received a later that his insurance would be canceled on Oct 31st, 2016. NO EXPLANATION WHY, just canceled. He has had BCBS for 5+ years, never missed a payment, never had any issues. Get diagnosed with a serious illness and then get this notice. suspicious timing from BCBS. They claim his tax return was illegible and had to cancel coverage. They had NINE months to realize this problem and act on it. Convenient. He sent the paper work out right away October 18th, but they claim they cannot reinstate his insurance coverage until Dec 1st. Causing laps in coverage for 30 days, Nov 1st – 30th. He starts treatment October 28th. This will crush our family financially.

My family of 5 are consistently dropped every month by BCBS and this has Been going on for years now and we have never missed a payment nor have we ever been late on a payment. I have a 4 year old son with severe Autism and has not been able to get appointments vital for his progress because we are consistently being dropped every month. What is the point of Being forced to pay for insurance if the services I am paying for IS NOT being provided? What’s worse, I can’t even get a refund for the MONTHS I have paid and was denied coverage!

We have paid our bill on time, everytime through an automatic bank deduction. We’ve paid our entire deductable for the year (months ago) because my husband has cancer. I did not receive any information on a new process nor a past due notice. I then received an email dated October 1, 2016 stating the my insurance has been cancelled as of July 31, 2016. This puts me out of the 60 day window to have my policy reinstated or be eiligible with any other provider out of open enrollment because of the Federal Law regarding the 60 day window. I find it unacceptable that they did not inform us of these changes, past dues, or warnings but, had no trouble emailing me the cancellation (it didn’t even say why… I waited 2 hours on hold before they figured out why and were able to tell me). We have started the appeal process but, as of now, we not only do not have insurance for my husband and his cancer appts, we don’t have it for my 5 year old daughter and do not have the option of short term coverage do to a pre existing condition. I assure this will not end here and we will continue to fight this battle with BCBS until an acceptable agreement has been reached. I addition, if this is not figured out, it is likely we’ll face a tax penalty in 2016 for our lack of coverage from July 31, 2016 – ??? until this is resolved.

Anyone who has Blue Cross Blue Shield needs to be very careful with their policy. BCBS of Illinois “had an error” with their online payment system in August. So you call their bill matrix number except that even though you have an active policy, it doesn’t accept your ID number- So you can’t make a payment. You notify BCBS of mailing a payment and the payment arrives before the 30th day of the month. BCBS cancels the policy without notice. The first week of September the payment is made online. You call BCBS and they tell you the policy is cancelled and all claims are denied. DESPITE NOT NOTICE BEING GIVEN and according the policy there is a 60 day grace period. My policy is paid up to date, it never lapsed beyond 30 days and BCBS response “we’re reviewing it.” This was triggered by my family USING the policy I’m sure.

My husband and I used to have insurance through Health Plus. I have a history of knee problems and we switched to BCBS so I could go straight to any specialist I may need without always needing a referral. We have had BCBS less than 6 months. Recently, my husbands name was one of a few names in his office chosen by BCBS for audit. He was told to call the number provided. He called immediately and was asked if he and I were still married. He confirmed that we were and they told him that was all the information they needed and we were all set. I recently found out that I am pregnant. I just recieved a call from the billing department of my OBGYN informing me that my insurance policy has been canceled. My husband immediately got ahold of his benefits rep at work. BCBS canceled me because they need proof that I am still married to my husband. 1. They told him over the phone when he called that we were fine and no further action on our part was needed. 2. We have been married for ten years (together for twenty), have two children together, have never seperated, have never so much as spent more than a couple of days apart when he had a conference out of town! 3. They didn’t even bother to inform us that I would be canceled. Now I have frequent appointments for a high risk pregnancy, an ultrasound for a lump that was just found in my breast and all the while I must pay out of pocket until they correct THEIR error. I am thoroughly disgusted and have NO intention of taking this lying down. We have NEVER missed a payment…it comes straight out of my husband’s check. We are in fact married. They had NO grounds to cancel me. What’s next? Will they question whether our children are really ours?!? Clearly health insurance has little to do with health and a lot to do with shady business practices.

We are also self-employed married couple, healthy, thank God and with a child. We have been paying our premiums for almost a year, only requiring service once for a well-child visit. Well it has been difficult to pay this last month because of several changes in income and with ONE MISSING PAYMENT Emblem Health cancelled the policy. This is after receiving almost $6,000 of our hard earned money which we requested the bare minimum of service. So now it seems impossible to enroll in any other plan – so what now???? Are we supposed to be without any coverage until enrollment begins again and then get penalized for not having coverage when the reason we didn’t have coverage is because our policy was cancelled prematurely??? What kind of spiders web is this? We are not allowed to enroll but then penalized for not having coverage? I supported Obama Care but it is screwing us BIG TIME. As I mentioned we have a child. Now what??????