i am having a horrible time. My plan was discontinued and talking to the sales' representatives are terrible. They will not tell you all the options you have. Harvard/ pilgrim local had the worst customer service. Blue Cross does not have all plans listed on the their website and it is like the sales dept. is doing you a favor by telling you about plans. Buying good health insurance can be the difference between life and death. The costs this year are prohibitive too. Your yearly out of pocket costs and premium payments end up costing more than a small car purchase. I could use some help this year.