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It seems that healthcare.gov is set up in a way that results in various systems being queried, so any of these systems failing results in problems for the user at some point in the enrollment process. It's absolutely poorly designed and poorly tested, which means a high load is going to kill it. But we cannot say it did not receive a high load.
bilking taxpayers out of nearly half a billion dollars for a website
Actually, $93.7 million.