Long-time readers know that I've long been an advocate of more states breaking off of the federal ACA exchange (HealthCare.Gov) and establishing their own versions instead. While there are certainly benefits to utilizing the federal exchange (standardized interface, user experience, branding & marketing), there are also numerous benefits to states operating their own platforms.
In the early days of the ACA, in addition to the infamous technical meltdown of HealthCare.Gov, many of the state-based exchanges (SBEs) of the time included horror stories in which the 1.0 versions of SBEs either failed miserably, cost an insane amount and/or both. The most famous examples include...