Well, for one thing, open enrollment starts on November 1, so you can't get an ACA plan anywhere until then without a qualifying life event.

Also, if the website is broken, you should be able to call and talk to someone to get a plan. Not ideal but it's not like you're completely out of options.

If only I’d thought of that.

The phone support just leads to a ticketing system that responds via the web app. You can’t log into the webapp from foreign IPs without locking out the account (which can only be unlocked via the phone number on file, which only supports US mobile numbers and not Google Voice). They don’t use email. If your autopay credit card expires, they cancel your policy without any notice but paper mail, which is insane in 2023. They won’t let you reinstate it, even if you backfill pay your unbilled months.

It only works for people with a single US number who get their paper mail on a regular basis and never travel for long periods of time. I live in Europe half the year and the service is unusable.

I long for an actual free market in this shit.

I don't know about NV specifically, but in both PA and NM nothing requires you to buy insurance through the state marketplace, and some insurance companies operate inside, outside or both. You can get back the subsidies that might have been prepaid for you via your tax return. The prices may or may not be as good, but hey, that's the free market for you!

> without any notice but paper mail, which is insane in 2023

FWIW the IRS operates entirely over paper mail.

(Not sure why, I suspect is that paper mail is more expensive for fraudsters.)

You can submit your return electronically, get the response from the IRS electronically, pay electronically.

Yes, they use paper mail to set up your account, but the idea that the IRS remains limited to the exchange of paper is wrong.

Source: a USA citizen living in Canada, with a USA tax accountant who submits my returns and paperwork electronically every year since 2010.

Sorry....I mean they communicate with you over paper.

Like if they discover a problem with your return.

The IRS does not. You can pay the IRS via the web, for instance.

And a separate federal crime if messed with. Impersonating the IRS over USPS has to be one of the fastest ways to end up with two federal agencies after you…

>> you should be able

"You should be able to" do a lot of things that you cannot actually do.

> open enrollment starts on November 1, so you can't get an ACA plan anywhere until then without a qualifying life event

So much for being a "free" market when it's only open for a month each year.