The problem is not that healthcare.gov isn’t working properly, it’s that the web site exists at all. The site houses a health insurance cartel, created and protected from competition by the federal government. Any individual who wants to buy health insurance and has an expectation of receiving subsidies to offset rising premiums must patronize a cartel member. While other health insurance providers in the individual market can exist outside of this arrangement they have to meet all the same government mandates as those inside the cartel and have the added disadvantage of not not qualifying for any of the government subsidies. This is the primary cartel enforcement mechanism, i.e. the way competition for the cartel is legally kept to a minimum, and it ensures that the vast majority of customers will be forced into purchasing from the cartel members. The bottom line is that our  health insurance is now tightly controlled by a collusive agreement between the federal government and 50 state based insurance cartels that have the kind of market power that OPEC could only dream of having. And this is supposed to make things better for health care consumers? Please!