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Your key words are "this year". They didn't have these issues in 2015, which points to "intentional", vs "incompetence". Especially in light of the "We Screwed Up!" statements from United Healthcare leadership, removal of plans from UHOne.com, Reduction in Commissions, and administrative snafus that are keeping 2016 UHC applicants from becoming 2016 UHC customers.
Actually UHC had very similar challenges for the 15 plan year.