On Nov. 15, the two-month open enrollment period for health care policies available on the state and federal health care exchanges begins. Last year's open enrollment period was the first experienced by the exchanges, which were put together as part of the Patient Protection and Affordable Care Act – and the ride was a bumpy one.

Issues with eligibility determination, registration and even problems accessing the website due to overwhelming demand plagued the exchanges, even as eight million Americans signed up for a health insurance plan via state or federal exchanges.

Ron Goldstein, founder of CaliforniaChoice, the nation's first state-approved multicarrier health exchange, believes this year's enrollment ought to be at least a little bit smoother from an individual consumer perspective.