The December 23rd deadline is fast approaching for Texomans to sign up for insurance on the troubled Healthcare.gov website for coverage to begin on January 1, 2014.
But even with recent improvements, coverage won't be guaranteed on New Years to those who sign up before the deadline.
"It's a little frustrating, so it requires a lot of patience. All you can do right now is start an application and hopefully get it in by the deadline," said Boley-Featherston Insurance Broker Tom Wilson. Wilson is also a member of the Texoma Association of Health Underwriters.
The problem still lies with website traffic and lack of communication between the website and insurance companies.
"I can only speak for myself and my clients, but everyone that I've tried to assist has had difficulty. Everybody is coming back on and flooding the website, and it's bogging it down again," said Wilson.
Another problem Wilson is seeing is the lack of younger people signing up for insurance.
The Affordable Care Act was put into place to insure the younger, healthier demographic of the country to spread out the risk and help pay for the costs of the older generations who get sick more often. However, young people are ignoring the website, refusing to deal with the website frustration.
"The website isn't working properly so the younger ones tend to not want to mess with it anymore. In today's world they don't want to fill out a paper application or talk to someone on the phone. They want to do it electronically," said Wilson.
Many younger people are willing to be uninsured and pay the fine of $95 or 1% of annual household income. Wilson warns walking around uninsured can be a risky move.
Despite the frustration and headache, Wilson stated it's important for Texomans young and old, to continue attempting to sign up.
"Don't let it scare you. Don't let it run you off from being proactive and getting the coverage that you need. It's going to prevent you from getting a fine," he said.
In order to increase chances of successfully accessing the website, a simple precaution can make the difference.
"Good luck getting on there during the day. Instead, go on Healthcare.gov at midnight, 1 or 2 in the morning where there's very little traffic," said Wilson.