I signed up directly with the BCBS since I wasn't seeking a subsidy. Although the signup process was extremely easy and I received confirmation within an hour, their payment process has been completely screwed up. They have sent conflicting payment information via snail mail, e-mail, as well as displayed on their website. I was already insured by BCBS under a different policy. I had signed up for automatic payment for my new ACA policy but not for my old policy. I called them to make my January payment early so I could get my new insurance card sent out and they completely fouled up the payment. They debited my checking account the amount for my old policy and credited it to that policy, even though they had received a cancellation letter from me for the old policy. Finally, I was able to make the January payment myself on their website last week but I haven't received my new insurance card yet. I did receive a new insurance card for my old cancelled policy, however. Meanwhile, I'm still awaiting the amount they improperly debited from my checking account to be re-deposited to my checking account. They claim it should happen by Fri. Jan. 3, but I'm not holding my breath. When I log on to my new account, it does show that I'm paid up for January, however.