Do not trust this insurance company American Business Coalition or Chris Cantrell the agent who sold me this policy. Chris Cantrell pretended he was my "advisor" on healthcare . gov when I went looking for an insurance to buy. I went with this policy thinking I could trust it since it was a reputable site I was on at the time. Wnen it came time to use this insurance due to a "catastropic" event, they said I was not "in-network" with the hospital. This is not the way Chris Cantrell explained this insurance to me, they were not to cover my doctors visits etc, but were to cover hospital stays. Needless to say I am now stuck with a 15 thousand dollar bill for a one night stay in the hospital and the testing that went along with my reason for the stay. I cannot be billed now as a "cash" customer because I had insurance. But only 1700 dollars out of the 17 thousand dollar bill was paid by this insurance. What a rip-off this was. Do not let anyone tell you they are assigned to be your advisor on healthcare . gov!