At a certain point, software cannot simply be patched to fix the problems with it. Sometimes you just have to redesign and recreate the entire platform. I think that is what is going to have to happen with the federal Obamacare exchange platform. There appears to be too many problems with it to simply fix it. From account creation and user interfacing to information storage and dispersement, there is little to the program that appears to work correctly. Add in the report that proper computer coding protocols weren't followed (which makes it more difficult for other individuals to work with the program) and I think the most cost-effective solution is to trash the whole code and start over.
Politics are involved so they probably won't do that (that would involve admitting failure/ finding an adequate scapegoat), leading to a long cascade of problems which endlessly frustrate the end users while costing us billions/trillions of dollars. I think the best solution would have been to delay the individual mandate to allow the program designers to be fired and to allow for the development process to start over.