Description

I am filing this complaint due to deceptive sales practices and ongoing difficulty canceling non-ACA health products that were sold to me as “private insurance.” I contacted a representative from an online website who sold me a health insurance plan through Good Health Distribution Partners / Merchants Benefit Administration. I was told i made too much money for the marketplace and had to purchase private insurance. I was not given any options and was told the plan they suggested was full coverage for anyone without pre-existing conditions. I was rushed through the sign-up process, a red flag but I was under the illusion that I was close to missing the deadline. After receiving the documents, I learned the plan dosnt even come close to giving me the coverage my family needs. In fact I was sold a stack of associations + limited-benefit that my doctor does not take + accident products that i did not request and are explicitly NOT ACA-compliant and do NOT protect you from catastrophic illness. When I attempted to cancel the next day after siggn-up I encountered significant obstacles:• • I was passed between multiple entities (agent, billing administrator, association, and plan administrator) • No single party would take responsibility for processing the cancellation • Each company redirected me to another phone number or organization • I received conflicting information about who has authority to cancel • The process appears intentionally fragmented, making cancellation unnecessarily difficult I am requesting: • Immediate cancellation of all products and memberships associated with my account • Written confirmation that no further charges will be processed • A refund of full enrollment amount • Investigation into the sales and cancellation practices of these entities I believe these products are marketed in a way that is confusing to consumers seeking legitimate health insurance, and the cancellation process appears designed to discourage or delay termination.