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HealthCare.gov homepage in October 2018 The individual major medical open enrollment period for 2020 coverage started Nov. 1 in most of the country and runs until Dec. 15. (Credit: Centers for Medicare and Medicaid Services)

HealthCare.gov is supposed to be a web-based supermarket for a financial services product that sells itself — heavily subsidized private health insurance.

In reality, agents and brokers accounted for about 44 percent of the people who got covered through HealthCare.gov this year, according to a slidedeck prepared by the Center for Consumer Information and Insurance Oversight (CCIIO) and obtained by Health Agents for America (HAFA).

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