Top 4 Obamacare complaints

By Tami Luhby | 10/21/2013, 4:09 p.m.
Three weeks after the exchanges opened, Americans are still having a tough time signing onto the Obamacare websites. And once ...
Anyone who has signed up to enroll in Obamacare on Healthcare.gov is being told that their password must be reset. Photo courtesy of Healthcare.gov.

NEW YORK (CNNMoney) -- The debut of the Obamacare health insurance exchanges has been anything but smooth.

Three weeks after the exchanges opened, Americans are still having a tough time signing onto the Obamacare websites. And once they manage to get in, many aren't so happy with what they're finding.

Here are some of the major complaints from CNNMoney readers:

Complaint #1: I can't log in

Many people are still having trouble signing onto healthcare.gov, the federal exchange that's handling enrollment for 36 states. While the site no longer leaves applicants hanging with a hold screen, many are still receiving error messages when they try to log in.

Maura Grady of Florida told CNNMoney last week that the federal site was still giving her trouble. It was not accepting her username and password. When she clicked on the Forgot Password button, she was told she'd receive an email with reset instructions. But she didn't.

Asked whether she'd try again, she responded: "2, maybe 3 years! When I'm in the mood for some aggravation."

Both the federal and state exchanges have been working to address the problems. Maryland, for instance, took down its state-run exchange for the last two weekends to make some upgrades. And the federal site continues to make improvements.

"We are seeing progress: wait times to begin the online process have been virtually eliminated, and more consumers are creating accounts, completing applications and ultimately enrolling in coverage," said Joanne Peters, spokeswoman for the federal Department of Health and Human Services. "However, we will not stop addressing issues and improving the system until the doors to HealthCare.gov are wide open."

The exchanges still have some time to fix the bugs. Folks have until Dec. 15 to sign up for coverage that begins January 1.

Complaint #2: My info's not right

Some insurers are saying the applications they're getting from the exchanges are riddled with errors. Some forms are missing full names or numbers. Others contain duplicates, with the same person signing up for different plans.

One person who signed up for coverage through Medical Mutual of Ohio submitted several applications requesting different plans, said Heather Thiltgen, vice president of individual sales and marketing. The insurer, which has received fewer than 100 applications through the federal exchange so far, called the person and learned he kept receiving error messages when enrolling so he hit the submit button several times.

The insurers are contacting applicants to verify the information. Scott & White Health Plan has called the handful of people who signed up for the Texas insurer's plans through the federal exchange because their forms are missing data or contain dates that don't make sense.

Right now, it's not much of a burden because of the small number of enrollees, said Allan Einboden, the insurer's chief executive. But he's concerned about what will happen when the flow picks up.

"We're glad we haven't had tremendous volume because we wouldn't have wanted to handle all that manually," he said.

The administration says it is working with insurers to address problems as they come up.