[waterphone]

In Arizona, a credit history is part of their verification process, same as Healthcare.gov. Because I don't have a credit history, I don't exist in the system and therefore any application attempt fails at the "cannot verify your identity" stage and offers no path for recourse.

Edit: Not directly related to the main topic, but Amazon Payments also uses Experian—same as Arizona medicaid and Healthcare.gov—for identity verification, and if you don't have a credit history you get permabanned without explanation from continuing to use Amazon Payments. After asking them why several times, they block you from contacting their support again. Worst customer experience I've ever had with a major company, especially Amazon which is usually quite fantastic to deal with as a customer.