thanks for feed back,
obviously i am not wanting to risk having no insurance, otherwise i would have not posted, just as some here play with income to get subsidies, i wanted to get a free month of coverage, just playing by the rules they provided. Since nobody knows if it it takes 30 days to cancel me, then i should pay Dec, and get going on a replacement policy with them being all busy, i pay by check every month, envelope and stamp. i am not on an exchange, i get no subsidies. and i don't care much about my credit, i seriously doubt missing one months insurance premium would do much. I am old and cranky, too