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Have you used the new health insurance exchanges?

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Today is the deadline  for Americans who want health insurance  to buy plans on the federal and some of the state online marketplaces as part of the Affordable Care Act.

Our reporters are interested to know how it is going as people try to meet this deadline, and we'd like to ask for your help. What has been your experience with the online insurance marketplaces, also known as exchanges? Are you worried that you might experience a lapse in coverage? Have you been able to complete the process of enrolling and, if so, have you gotten confirmation or received your insurance card? If not, what keeps you from completing the process? Please keep in mind that we are only looking for real experiences with the online exchanges at this time and not opinions.