I went to healthcare.gov this morning and browsed around. I know HHS has had problems with this website, but it worked just fine this morning.
In fact, it seems pretty well laid out. If you're a business you go one direction, if an individual you go another. Simple enough. For individuals, the next most important thing is what state you live in. For Colorado, you are directed off the government site to the state site.
If you're in a state that doesn't participate in ACA, and has done everything it can to undermine it, like Texas, for example, you stay on the government website and then must open an account. I would imagine that this is where the sand got in the gears.
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