<prompt> Human: Im insured by Ambetter, and I enrolled via the healthcare.gov exchange. Ive been having some problems getting my insurance company to accept my premium payments as of the last two months. Im enrolled in e-billing so I normally receive an email telling me my bill is ready, and I log into their website and pay. My bill is paid in advance for the coming month, and is due at the end of every month. Starting last month, I never received a notice, and a bill never appeared in my account. The way the system is set up, Im unable to make a payment online unless the bill actually shows up, the button is greyed out otherwise. Here are the steps I took last month:- I called and asked if they could manually send me either an electronic or paper bill so that I could pay. The rep said they were having some computer problems and that I should call back in two days.- I called back two days later and explained the situation. I was told they were still having computer problems, and to call back in two more days.- I called back two more days later, and was told to call back in two more days. I asked if it was possible to pay by phone, they said I could do so from the automated system. I attempted to pay via the automated system, but it didnt recognize my member ID. I called the rep back to let them know that I was unable to pay by phone, and they reiterated that I needed to wait two more days.- I called a rep in two more days, and asked what I could do since I still didnt have any way to get them to accept the payment. The rep set up an autopay profile for me that would deduct the payment automatically the next day.- Two days later, the autopay hadnt processed, so I called back, and the rep suggested mailing a check with my account info on it. Normally you need to append a paper bill, but they were unable to mail me one because of their computer issues, though they assured me they could definitely accept my payment online if I called back in two days!- A week later, I received my mailed check back with a stamp RETURN TO SENDER and no other explanation. I called my insurer back, and they said there wasnt anything we could do but wait two days for the computer issues to be resolved.Its been a month, and their computer issues havent been resolved. Its now past time for my next months bill as well. I tried calling the service line, but I guess my PCP was changed without my consent at some point, and the name of my PCP is one of the security questions they use to verify my identity, so now they cant assist me in any way since I dont know the name of my new PCP and thus cant verify that Im actually who I say I am.What the heck am I supposed to do? If this was any other company I would just tell them to eat it and switch to a competitor, but its not open enrollment and I dont want this to end up in collections. Since Im now unable to identify who my PCP is supposed to be, this also means I cant go to the doctor without risking not being covered. This feels like fraud, but its probably just incompetency.This may or may not be relevant, but Ive noticed some portions of their website dont use an encrypted connection when transmitting information I input, like my medical history or CC, which is not only sloppy but may violate HIPAA. Im not sure if that would give me any leverage if I need to escalate this but its something that comes to mind.I can cancel my plan through the healthcare.gov website, but that doesnt resolve the issue of my outstanding balance, or the fact that I then am without insurance, will be unable to see a doctor affordably, and will be hit with the uninsured tax penalty.Tl;dr: Insurer wont accept my premium payments through any avenue. What are my options?  <response>: OP, call the Dept of Insurance in your state and file a complaint . That will get the wheels of justice rolling in your favor ! Seriously , state insurance commissioners dont take things like this lightly. 