I'd have to say some of that is likely incompetence on the people in charge of developing the exchange. In Hawaii (hawaiihealthconnector.com) the whole extent

I'd have to say some of that is likely incompetence on the people in charge of developing the exchange. In Hawaii (hawaiihealthconnector.com) the whole extent of the online marketplace is a web form where you have to give up the SSNs of your entire family just to have someone call you later with quotes. Not exactly what I think of when I think of an online marketplace. There are many problems with the form too (e.g., can't sign up if your family has more than 4 people). To make matters worse, the form is down for maintenance. Apparently they couldn't figure out how to scale a single form. It's hard being a supporter of Obamacare when the execution is being done so badly.