Technically the website isn't even feature complete. Only the most vital functions are working. There's still no billing system to handle your initial payment, which is fine it just means the insurer takes care of it. (which took ~2 1/2 months for Anthem, and then they helpfully billed me for the months I had zero coverage - thanks bros, can I back charge you for all the health care I didn't get in that time?) But there's still no way to change any of your information once you've completed an application. There's no working system for altering your income level or any such thing. So if your income changes dramatically tomorrow, you're stuck at whatever rate for god knows how long. (not that this is worse than the old system of "Fuck You, pay us the same as everyone else") If you are getting a subsidy but your income goes up, be prepared to pay for it at tax time. Which is fine and easy to plan for, but if you lose your job you're stuck at the full rate for god knows how long and it could suck until they fix it. I know the "fun" of watching your health insurance bill eat every cent of your unemployment check and more. Do I go through the god damn hassle of dropping my insurance (takes at LEAST a month) and then shopping for it again later (ENORMOUS pain in the ass prior to Obamacare - hello filling out ten years of medical history, even with the same fucking company) or do I watch every cent I have get destroyed by my fucking health insurance in the hopes that a job comes soon? Well I've been there, and that has a lot to do with my attitude about our entire health care system.
At least now you'll get reimbursed eventually. But being on the hook for the full payments for months could be bad until they get it fixed.