The government may be shut down but the Affordable Care Act's Health Insurance Marketplace is officially open for business.
However, the site is already having major issues. October 1st is a day insurance agent Tom Wilson and his client Sarah Rugeley have been anxiously waiting for.
"I'm about to login to the Texas exchange. It's run by the federal government because Texas decided not to create its own exchange," said Wilson.
Right at 8 a.m. Wilson was ready to finally help Rugeley enroll her brother in the health insurance marketplace. And Rugeley was ready to get some of her questions answered.
"Will this be a really complicated application as well?" said Rugeley.
Wilson responded, "I wouldn't think so. Well, I don't know. We're getting ready to find out."
Wilson and Rugeley weren't able to find out anything.
"So as you can see, healthcare.gov is open for business but the system is down already," said the insurance agent.
Wilson said the system was also down when he tried login in an hour and a half earlier. President Barack Obama said the website got about six million hits in the first 12 hours.
"It's telling me I have to sit here and wait until they send me to the login page," said Wilson.
The clock struck 8:30 a.m. and frustration started kicking in. Wilson tried a couple of more times and without luck he tried using the website's live chat. He had to wait for that too.
"I've been trying for two and a half hours to get on and it's just going to be a matter of maybe getting on at midnight. Maybe at one or two in the morning," said the insurance agent.
Good news is you have six months to enroll. If by march 31st you don't have any insurance through the exchanges or your employer, you will face a fine of one percent of your yearly income or $95 per person. It's whichever is highest.