Ok, so I decided to give this a try to see for myself what the real situation is. Here is a step-by-step account of what I experienced.
1. On navigating to www.healthcare.gov I saw a javascript function name displayed briefly in the top header as the page loaded. That was reassuring.
2. Clicked the "Apply Online" button which started the multi-step process. Nothing really negative to say about the design or the page flow.
3. Added my basic user info and clicked through to the screen where a login password are entered.
4. For the login I entered "Markbnj" and when tabbing off the system presented the following validation message:
"The username is case sensitive. Choose a username that is 6-74 characters long and must contain a lowercase or capital letter, a number, or one of these symbols _.@/-"
Neither my colleague nor myself could decipher exactly how my user name needed to change to satisfy the rule as described, so I added a 1 on the end and that worked.
5. Entered a moderately strong password. The system responded with:
"Your password must contain 8-20 characters. There must be at least 1 upper case letter, 1 lower case letter, and 1 number. It must be different from your last 6 passwords. It can't contain your username or any of these characters = ?<> ( ) " / \ &"
I capitalized the first letter and it was happy.
6. I then proceeded to the security questions. The site was pleasingly specific about what they wanted from me:
"The answers to your security questions must contain letters or numbers and can't be longer than 30 characters. The following special characters are allowed, as long as they follow a letter or number. This means that your answers can't start with one of these characters, apostrophe ('), hyphen (-), spaces, period (.)."
7. For security question three I chose "What is your parents' wedding anniversary date?" I entered "2/6/1960" and the system responded with: that is not a valid date. I picked a different question.
8. After completing and submitting the form I was redirected to a helpfully informative URL:
https://www.healthcare.gov/marketplace/global/en_US/registration#registrationSignUpResults:waiting
I was in fact waiting. After waiting for several minutes, the system responded with:
My colleague and I had a chuckle and I closed the window. About a half hour later I received the following email:
"Your Marketplace account has been created. There is one more step left before you can use your account. Click on this link to verify your email address: https://www.healthcare.gov/marketplace/global/en_US/emailVerification?trackingId=XXXXXXXXX"
Well, this should be fun, so...
9. I clicked on the validation link. The system responded with:
"We're processing your request. This may take a few moments."
I waited approximately 2-4 minutes, and the system responded with:
"Oops. You didn't check your email in time.
You should've gotten an email from the Marketplace with a link, but too much time has passed for that link to work. Re-enter your information now, and we'll send you another email. Check your email soon, and click the link in the email to create your Marketplace account. If you've already verified your email address, you can log in If you've already verified your email address, you can log in here."
At this point I admit to expressing amusement in various forms.
1. On navigating to www.healthcare.gov I saw a javascript function name displayed briefly in the top header as the page loaded. That was reassuring.
2. Clicked the "Apply Online" button which started the multi-step process. Nothing really negative to say about the design or the page flow.
3. Added my basic user info and clicked through to the screen where a login password are entered.
4. For the login I entered "Markbnj" and when tabbing off the system presented the following validation message:
"The username is case sensitive. Choose a username that is 6-74 characters long and must contain a lowercase or capital letter, a number, or one of these symbols _.@/-"
Neither my colleague nor myself could decipher exactly how my user name needed to change to satisfy the rule as described, so I added a 1 on the end and that worked.
5. Entered a moderately strong password. The system responded with:
"Your password must contain 8-20 characters. There must be at least 1 upper case letter, 1 lower case letter, and 1 number. It must be different from your last 6 passwords. It can't contain your username or any of these characters = ?<> ( ) " / \ &"
I capitalized the first letter and it was happy.
6. I then proceeded to the security questions. The site was pleasingly specific about what they wanted from me:
"The answers to your security questions must contain letters or numbers and can't be longer than 30 characters. The following special characters are allowed, as long as they follow a letter or number. This means that your answers can't start with one of these characters, apostrophe ('), hyphen (-), spaces, period (.)."
7. For security question three I chose "What is your parents' wedding anniversary date?" I entered "2/6/1960" and the system responded with: that is not a valid date. I picked a different question.
8. After completing and submitting the form I was redirected to a helpfully informative URL:
https://www.healthcare.gov/marketplace/global/en_US/registration#registrationSignUpResults:waiting
I was in fact waiting. After waiting for several minutes, the system responded with:

My colleague and I had a chuckle and I closed the window. About a half hour later I received the following email:
"Your Marketplace account has been created. There is one more step left before you can use your account. Click on this link to verify your email address: https://www.healthcare.gov/marketplace/global/en_US/emailVerification?trackingId=XXXXXXXXX"
Well, this should be fun, so...
9. I clicked on the validation link. The system responded with:
"We're processing your request. This may take a few moments."
I waited approximately 2-4 minutes, and the system responded with:
"Oops. You didn't check your email in time.
You should've gotten an email from the Marketplace with a link, but too much time has passed for that link to work. Re-enter your information now, and we'll send you another email. Check your email soon, and click the link in the email to create your Marketplace account. If you've already verified your email address, you can log in If you've already verified your email address, you can log in here."
At this point I admit to expressing amusement in various forms.