The uninsured rate in the United States is at its lowest level in history, and that is something to applaud. However, while consumers are doing what they’re being asked — purchasing policies — insurers have taken advantage of them by selling healthcare plans so limited that finding covered doctors and services can be a nearly impossible challenge. For Americans stuck with these scanty plans, they might as well not be insured at all.

Health insurance company Centene’s decision to sell inadequate, bare-bones policies under a false pretense through its subsidiary company Ambetter exemplifies the problem with these “narrow network” plans. Consumers in at least 15 states bought Ambetter insurance plans with the expectation that they and their families would be covered, only to find out all too late that their policies are not what they seemed.