No, its a glorified insurance application system. The most complex piece is that they try to use your real info (taxes, etc) to calculate subsidies before prese

No, its a glorified insurance application system. The most complex piece is that they try to use your real info (taxes, etc) to calculate subsidies before presenting the pre-canned policies available in your ZIP code. Then you can fill out the application and it goes to the specific company to continue on. There is not a whole lot there, if they had instead deferred the real income info part, and just asked the user for that info then verified later like a bank loan, they could have launched much more a scalable system.