If you know just a little about database management (that describes me to a T), Flynn, over at NightShiftPolitics, makes a convincing case that the system underlying Obamacare is a cruise ship full of fail - and the website is the least of its problems. I raised a number of the issues he discusses here; he brings an experienced data and web developer's eye to them. His conclusion is that it's almost certainly the entire system that's a catastrophic mess, not just the website.
If perchance you don't know doodly-squat about database management, never fear - NightShiftPolitics puts it all in plain English. Don't know what call latency is? You will before you've read for five minutes, and will understand it well enough to explain to your saintly, white-haired mother why it's gumming up the works. Then you can explain to her what a data warehouse is.
Read it here. When you're done, you'll decide you're safer risking the fine for being uninsured than registering.