Federal and state officials appear to be out of options as far as rebooting HealthCare.gov.

The U.S. Department of Health and Human Services hasn't discussed contingency plans.

Some state exchange sites have been working reasonably well and, according to officials, have processed close to 100,000 applications since the sites opened for business Oct. 1. But sites in other state-run sites, such as Vermont and Hawaii, also have had trouble taking and processing applications.

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Allison Bell

Allison Bell, a senior reporter at ThinkAdvisor and BenefitsPRO, previously was an associate editor at National Underwriter Life & Health. She has a bachelor's degree in economics from Washington University in St. Louis and a master's degree in journalism from the Medill School of Journalism at Northwestern University. She can be reached through X at @Think_Allison.