Total bullsh*t. Not you, or your experience, but the troublesome experience itself. It doesn’t have to be this painful — hell TAXES are easier to do nowadays than medical crap. Seriously. This is one of the biggest reasons I stick with a regular job that offers benefits. If I went freelance and ever had to deal with independent insurance coverage, I’d likely verbally eviscerate someone to the point of death threats and end up on a watch list somewhere because of it. Best of luck (e.g. hope they didn’t screw something up on your application that you’ll discover three months from now).