As a former systems analyst, my opinion of the online health exchange is that HHS has released an alpha version of the website. By now, it should have been beta-tested and then stress tested before being released to the public. If the released online product has been developed over the last three years, I would determine that a suitable version that will handle the volume and functional needs that was intended will not be completed by Jan. 1.
If this is the best version available, I would instruct HHS to proceed to Plan B. However, I would assume that Plan B has not even been developed as a contingency.