I just came across this.
I (we) had no such problem with info. But WE did not go directly to the Healthcare.gov site to get our ACA plan. We use a local insurance broker.
Wohoaaaa some of you may be thinking........... Calm down....
I checked the WebSite got some education, THEN called 3 local Insurance brokers that claimed to help with ACA applications. NOT official ACA Navigators, proper insurance brokers.
Well it turns out that the insurance companies PAY these folks to help navigate the system. While this sounds like a conflict of interest, and it can be, it actually worked to our advantage.
Here is how, I approached it:
I checked the healthcare.gov site, we are in FLA and for us FloridaBlue is pretty much the only game in town. there are others but their plans are VERY expensive. So I chose a plan and put it in my back pocket. Wrote down the main details, Deductible, MOOP, Etc... and started calling.
Broker 1 was and independent and their prices were silly, plans not what I wanted.
Broker 2 was ONLY FloridaBlue and comparable to what I found.
Broker 3 was affiliated with another company and too expensive.
We went with Broker 2:
I spent about 1 hour on the phone she (Judy) took all my info, no hard copies. Then said she would get back to me.
Judy emailed me 3 options of which one was the one I selected, BUT she had access to a direct line to the Insurance company (Different Website than the Healthcare.gov, although it is registered / linked to it)
The one I wanted had lower deductibles and things than those I had got. I asked her how she got paid and she was honest and explained that she was compensated by the company NOT form my premiums. This was correct I check.
We now have ACA healthcare, that we could NOT have got on our own and are very happy with it.
This may be different for folks in other states, but it worked for us. We did everything by phone.
If it was NOT for the ACA I could not get insurance with my heart condition (Pacemaker).