I believe I read where the company they hired had been fired from their last job because of incompetence. So that would be one issue. I lived in Kansas and have friends who worked in Topeka when Sillybus was the Governor and they all said she was as dumb as a box of rocks. Going from being the Governor of Kansas to writing regs to cover a huge program like this is way beyond her capability. All of it was destined to fail.
Seems to me like Obama could have just said what the plans had to cover, that everyone had to be insured and then let the insurance carriers handle the enrollment. Once people found out what their premium was then they could apply for financial aid from the appropriate agency.
There is a problem with that approach.
The Federal Government would not be in total charge of the program.
And, more important, wouldn't be receiving directly all the information required upon enrollment: Name, address, family members, income, employment, SS #, bank account and routing numbers, etc.!