Just took an app on express right after stepping out of the shower. No, I wasn't dressed like Jake from State Farm but none the less, instant approval. Has a few issues processing but for the most part seems to be moving in the right direction. Kenny gave me a direct call as well which is nice, I am sure much bigger players in the ACA field then me. After 11 years in Medicare sales, this is my first year on the individual health side. I wouldn't of touched it though without a WBE.