It depends on the state. Most states are actually using the federal system. Some states did their own. For those, most were outsourced to contractors, as the bu

It depends on the state. Most states are actually using the federal system. Some states did their own. For those, most were outsourced to contractors, as the business rules are extremely complex and state governments tend to not have much experience with high-volume consumer transactional websites. A lot of the projects were handicapped by short schedules, due to political interference. They weren't really free to work full strength until after the 2012 election was done.