I just want to add another factor that I don't see discussed here yet. That is an object like healthcare.gov is not just a website. It is a system. It influence

I just want to add another factor that I don't see discussed here yet. That is an object like healthcare.gov is not just a website. It is a system. It influences the work of thousands of people, institutions, dozens of local governments, vastly different companies and people. All that doesn't mean it would be efficient, successful, or reasonable all together, but just that it's more than a website and organizing something of that size will cost a lot more money than a website of equal quality and end user value will cost for a new 5 people start-up without customers.