Doesn't matter if they are complicated or simple. They all are forced through Healthcare.gov.
Didn't Healthcare.gov/CMS send out an e-mail near the end of Octobers, stating that the problems with Single-Site Enrollments at WebBrokers had been resolved?
An app takes me 5 minutes going thru healthcare.gov, better than the 50 minutes 5,4,3 and 2 years ago. Price went from $20 down to Free. But, whiners will be winers.