Ugh, whoever designed their systems needs to be, well, subjected to their own systems, or forced to work in their call centre.

Thank you.

And your state systems rely on a 'head of household?'? Boggle!

It's archaic. And Massachusetts healthcare provably sucks less than healthcare in much of the rest of the U.S. We were the model for the ACA/Obamacare. All's for the best in this best of all possible worlds!