The federal insurance exchange is now working much better than it was two months ago but the improvements in performance have produced only small increase in its ratings among the uninsured. In November 63 percent of the uninsured said their experience with HealthCare.gov was negative. In December that number only dropped to 59 percent. From Gallup:
I think the site’s rating will improve some as technical issues continue to be fixed but I don’t think it is ever going be good. The problem is that even if the site worked perfectly buying insurance under the Affordable Care Act is still a big hassle and very confusing.
I helped my sister select a plan and even with the site running fairly smoothly it was not a pleasant experience. You need to understand several insurance terms and all the trade-offs involved. Then you need to individually check with each plan to see if all of your preferred doctors/hospitals are in the network. You should also probably check to see how your medications will be covered under each plan.
It is very difficult to make a properly informed decision and that is a problem stemming from the structure of the law. The law gave insurance companies incredible discretion in design plans and networks making real comparison complicated for regular people. Even the best website design can only do so much to elevate the stress and hassle of dealing with this inherent complexity.