<prompt> Human: This year, we signed up for health insurance using the Healthcare Marketplace, healthcare.gov. We had health insurance from January 1 to October 1, 2018. On October 1, 2018 we cancelled the health insurance through the Healthcare Marketplace which we were required to do when we no longer qualified for the Healthcare Marketplace subsidy because of my income. The subsidy we were receiving was 1602month, the cost of the insurance.Since we cancelled the plan on October 1, 2018, and not on September 30, 2018, we owe the health insurance company for one day of health insurance coverage. We realize that, and would like to pay for that one day.The health insurance company has sent us a bill for 1602, the cost of Octobers health insurance even though we cancelled it on October 1st.I called the health insurance company, and spoke with them. They agreed that we have cancelled our coverage as of October 1, and tell us that we owe for one day. I asked them to update the bill so I can pay the coverage for one day. They told me that they cannot do that. Its not their policy to update the bill or change it to reflect the one day of coverage. They told me that in order for me to pay for the one day of healthcare coverage, I must pay the full 1602 and then they will refund the 30 days 31 days in October to me. They also proceeded to tell me that they will continue to bill me for 3 months. After 3 months, if I havent paid, they will cancel the coverage.I have cancelled the healthcare coverage officially through the Healthcare Marketplace. The health insurance company agrees that I owe one day of coverage. They will not let me pay my bill! They insist that I have to pay 1602 in order to pay for one day.I am concerned that ignoring a bill for 3 months will affect my credit. Ive never heard of a company demanding that you pay for one months of service just so you can get refunded for 30 days. And I feel that paying the 1602 for one month will automatically extend the coverage, and they then wont have to refund me my money.UPDATE: I ran this by a local consumer advocatehotline through our local television station, and heres what they said:The insurance companies consider one day even if you cancel that dayin the month as a full month coverage. I have had a similar case with a different company. They had the viewer pay, and provided a refund.But, you can file a complaint with the Texas Department of Insurance against health insurance company, if you feel they are acting in bad faith. The number for TDI is 1-800-252-3439.So, I will be filing a complaint with the TDI, and will most likely put the full amount on a credit card and insist on a refund of 30 days for October.  <response>: Get the refund in writing before you pay and then pay it. My guess it is that they have a process to refund early cancellations, but they dont have a process to accept partial payments. I am concerned that ignoring a bill for 3 months will affect my credit.This is the fishy part. Youll also want to confirm edit: in writing that they will not report you as delinquent to the credit agencies or pursue you later to collect on the unpaid months. 