FWIW the current enrollment is 6mil so if you assume a very poor conversion rate of 1% then that is 600 million page views over the signup period and that comes down to about 38 views per second. At peak load that would only be like 1k concurrent views ( assuming a poisson distribution )
Have you ever worked on these projects before ? It DOES require technical expertise.
Working with legacy and enterprise systems requires knowledge that most developers think they could handle until they are actually in the weeds trying to understand some arcane domain model or file format. Combine that with the integration and scaling challenges and it is quite a technical problem.
Is it expensive sure. But to dismiss these projects without any visibility or understanding of the challenge requires some arrogance.
Yes documentation is always lacking and there is some reverse engineering that needs to be done, and yes there will always be some stupid wrinkle in the process, but this is a well understood problem and claiming its a challenge due to "Legacy Systems" is just a way of justifying the over 100% overhead that the government runs.
Legacy integration is huge and horrendously complex task. The coding is the least of it.
I can absolutely guarantee you that they do not have the utmost of security. For a project to be really secure, you need extremely talented and meticulous developers. Judging by the clusterfuck that was Healthcare.gov's original launch, that does not describe the people involved. For example, this sentence (lifted from Wikipedia) raises a million red flags in my mind re. data consistency checking and sanitation: "Even for those that did manage to enroll, insurance providers later reported some instances of applications submitted through the site with required information missing.". No project like that can feasibly have the "utmost of security".
this probably was the source of the initial failure.