Due to changes in insurance options implemented by the current government, I had to switch my health insurance for 2026. As a self-employed person, I purchase my insurance independently each year. Silver tiers are no longer available, leaving only Gold or Bronze plans.
I chose Ambetter because their Gold plan appeared to have a lower premium than my previous insurer. Within just two weeks, trying to access my prescribed medications turned into an incredibly stressful and time-consuming process. Coverage was repeatedly denied, prescription costs were significantly higher than advertised, and getting clear answers from customer service was nearly impossible.
Before January 15, I canceled Ambetter and returned to my previous insurance despite the higher premium. The amount of stress, uncertainty, and wasted time was not worth it.
I would strongly caution anyone considering Ambetter: expect coverage denials, higher-than-expected prescription costs, and poor customer service.
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