<prompt> Human: On January 1st my Emblem Health premium went up from 471 to 518 per month. I decided I want to switch carriers and I didnt pay the bill. Im about to enroll with another carrier, but I want to confirm that Im not responsible for the January bill. Ive been back and forth with a representative from Emblem Health and theyre not giving me a straight answer.  <response>: Uh, You were covered for January. Obviously you need to pay. 