Americans who've tried to use the exchange enrollment sites think that, in the long run, what they'll really need help with is figuring out coverage options.

LIMRA found that about half of the participants who'd tried the exchange sites felt they needed off-Web help.

Despite all of the news about problems with HealthCare.gov as well as the state exchange sites, only 23 percent of the early users who wanted off-Web help said they needed assistance with filling out forms.

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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.