<prompt> Human: So I started a new job in the summer, one which only let me join their health plan after six months on the job. In the interim I signed up with Blue Cross Blue Shield through the ACA marketplace. Now coverage through my job is set to begin on the 1st so I want to cancel the BCBS insurance and they are making it completely impossible to do so. There is nowhere on the website to cancel coverage, and their chat and phone support reps have outrageous wait times As I post, Ive been holding for over an hour.Could I simply refuse to submit my premiums until they call me? I do not have autopay enabled, so I wont be fighting to get any money back except for a pending claim, which I would be willing to forfeit just to stop dealing with these jabronis. Would any impact on my credit be lessed if I informed my bank beforehand, or is there any way to get them involved on my behalf?Not sure if this is the right subreddit, but thanks for any advice you can give.  <response>: My advice would be to stay on chatphone until someone helps you. Its inconvenient, but better then not paying your bills.Not paying is not the same as cancelling a service. You are still obligated to pay for that service, which means they could and likely will come after you for the money. 