(Forbes) The Affordable Care Act’s insurance marketplaces have been a tale of two ITs.

In states like Kentucky and Washington, consumers have used the new information technology systems to easily shop for health coverage. But they’re the exception. Most states’ insurance exchange websites have been creaky and unworkable since they launched on Oct. 1. Hawaii officials even announced plans to relaunch their health exchange and try again.

(The exchanges’ debut has been a “disaster” overall, Ezra Klein writes at the Washington Post’s Wonkblog.)

What’s driving the difference? At this early stage, it’s largely based on one factor: Whether the federal government or the state itself is running the exchange.

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