<prompt> Human: I got insurance through my employer starting January 1st through the same company my marketplace insurance is through. I made the bad assumption that theyd cancel the marketplace policy when they noticed I had two and never paid the premium for January. I got a call from them today about the non-payment, they informed me I had to call the marketplace to cancel, and I did. But now I owe them 600, because Im an idiot. Is there any recourse here? It seems like theres not. Can I simply not pay? I didnt use that insurance at all this month Ive been using the new one, so there are no outstanding claims.  <response>: Consider it a stupid tax and learn for the future. 