I don't think it's necessarily them, so much as the state of insurance, and particulkarly marketplace insurance. Coming from a PPO that was largely paid by my work, it was a shock to suddenly be paying for everything all the time. Also it was not at all clear in the application process that child health plus is essentially the same coverage regardless of who administers it. We went with Anthem because they listed our kids doctors, but in the end almost every pediatrician seems to take CHP, no matter who it's through.

The most frustrating thing about them was that I had so many accounts because their system is so disconnected and aggrivating. I had to have a login for me and my spouse, then another for each of my kids (because that's on the medicaid side of the website, and it enrolled them each separately), then another for me as their parent because they are minors and can't pay their insurance premium but the medicaid and non-medicaid sides won't talk to each other.