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Sorting out the commentary on Obamacare is a lot less important than sorting out Obamacare. But an interesting and potentially important debate has started in the last few days—one that gets at why the failures (so far) are so depressing and how (hopefully) the administration can fix them.

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One issue that came up in Thursday’s House hearings on healthcare.gov is the government’s decision, in the middle of September, to require that people create new accounts before browsing insurance plans. It's possible (although not certain) that this design decision contributed to the site’s problems, particularly in the early days. Account creation is a particularly complex process, one that has given the federally run website fits.

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