got scammed on health insurance and now need coverage outside of open enrollment

signed up for health insurance 1/15/25 (last day of open enrollment)

the plan I got said I could see all of my doctors with it and now that I’m trying to, I can’t- none of my doctors have ever even heard of it.

the list of doctors that accept it, I got from the insurance company: I called a bunch of them and they’re all telling me they have never heard of / don’t accept it.

Problem is, I now have a health issue I need to address and so I need to use insurance and am finding out that I don’t have any useable insurance

I called the broker who sold it to me and he tried to sell me another plan on top of it saying I have to keep this one and enroll in another one totaling $344/mo which I cannot afford and on top of that, my specialist copay would still be $65. He said if I drop the scam insurance, the second plan alone would cost me over $500/ mo

I called my state’s marketplace representative and they said I need to find a tax preparer and file 2024 forms and get a special form from the tax preparer to quality for extension of open enrollment

I usually do my taxes myself so I called 2 local tax places who informed me they have no clue what form this might be.

I’m kind of screwed and hoping to fix/ figure this out in time to have coverage for 3/1

Has anyone gone through this before/ can offer me any advice?

Even if I have to buy another plan, I want to cancel the scam one because it’s useless/ why would I pay for something that doesn’t work?

Also, I don’t trust the original broker/ don’t want them getting more commission on selling me a second plan because the first one was garbage…

submitted by /u/pineapplemojito_
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