Here's https://news.ycombinator.com/item?id=6572467 a much better/more reliable account from the Right, echoing the CMMS did the integration meme (which apparently first came from the New York Times), and at the end of this long piece the author looks at possible consequences.
Particularly the "danger of a rapid adverse selection spiral", that is, the people who will put up with a very difficult site are the ones who really need healthcare, whereas the "The healthy young man who sees an ad for his state exchange during a baseball game and loads up the site to get coverage—the dream consumer so essential to the design of the exchange system—will not keep trying 25 times over a week if the site is not working."
Also how fixing the upfront/front end problems will exacerbate what look to be some bad back end problems, particularly the calculation of subsidies, which all the state exchanges depend upon. Ah, and according to the 3 insurance types he talked to, they "believe that only Nevada, Colorado, Washington state, and Kentucky have what could reasonably be described as working systems at this point.", although in general they're in better shape than the federal one.
Particularly the "danger of a rapid adverse selection spiral", that is, the people who will put up with a very difficult site are the ones who really need healthcare, whereas the "The healthy young man who sees an ad for his state exchange during a baseball game and loads up the site to get coverage—the dream consumer so essential to the design of the exchange system—will not keep trying 25 times over a week if the site is not working."
Also how fixing the upfront/front end problems will exacerbate what look to be some bad back end problems, particularly the calculation of subsidies, which all the state exchanges depend upon. Ah, and according to the 3 insurance types he talked to, they "believe that only Nevada, Colorado, Washington state, and Kentucky have what could reasonably be described as working systems at this point.", although in general they're in better shape than the federal one.