I don't think any of the questions being asked were particularly hard: certainly no harder than doing your taxes. The system could clearly say "based on the in

I don't think any of the questions being asked were particularly hard: certainly no harder than doing your taxes. The system could clearly say "based on the information you provided, here are your options". I know it's nicer if it's instant, but I don't think anyone expected it to be instant; private health insurance is a multi-day process. Nobody is getting this health insurance until January. It sounds like the system is asynchronous anyway, in that it then goes off for further processing (no matter what the website promises). In any case, we're talking about a delay of a week at most; I'm not suggesting that nothing be verified until tax season.