Actually, I've spent most of the afternoon talking to people much smarter than me about this, and a few of them had some good questions (and comments) of their own.

"They obviously have a high opinion of the knowledge base a navigator will have since a simple insurance license isn't enough," someone wrote me shortly after the story broke. "So basically, they're going to pay $85 per enrollment for the expertise of an insurance agent, combined with a person who knows how to get the most from a government program (I will use the word enabler in the most negative sense) combined with a tax advisor to help this person with limited communication abilities (or cognitive ability) understand the easy worlds of government, insurance and the IRS buy an 'affordable' plan or enroll in a government program? Whew…"

It's a frightening mouthful of a question, but one I'd certainly love to hear answered. The job sounds like a broker, but more so. Maybe a broker and a tax attorney who just happens to be independently wealthy and doesn't need a paycheck.

And exchanges and marketplaces sound like these bustling bazaars offering every insurance option under the sun, but from I've seen of product selection so far, we need a helluva lot more vendors. Or did we just "exchange" choice for coverage? And if we've only got one seller, how long will it be before we get one payer?

Someone else I talked to was even more frustrated, but swore me to anonymity.

"Don't get me wrong, I think this stuff is incredibly confusing and difficult to understand," he said. "And being that it will be the first experience in the insurance market for millions of people, there will be more than a few questions generated. Help will clearly be needed. The existing market pays for that assistance in the form of broker and advisors, but a navigator is yet another step deeper into a brave new world.

"Not a day goes by that I don't dream of opening a burrito and beer stand somewhere in Mexico and just leave it all behind," he added.