The U.S. Department of Health and Human Services and state agencies are already starting to issue regulations and guidelines for the 2015 public exchange program.

Many states have had trouble getting 2014 exchange enrollment systems to work properly. Oregon, for example, has not yet completed work on its enrollment site, and Covered California has set up the small-business coverage sales section of its site just this week.

Officials at HHS and the Centers for Medicare & Medicaid Services have been trying to soften President Obama's recent promises that the government would get the HealthCare.gov federal exchange enrollment site working properly by Nov. 30.

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Allison Bell

Allison Bell, a senior reporter at ThinkAdvisor and BenefitsPRO, previously was an associate editor at National Underwriter Life & Health. She has a bachelor's degree in economics from Washington University in St. Louis and a master's degree in journalism from the Medill School of Journalism at Northwestern University. She can be reached through X at @Think_Allison.