I already have health insurance, which I know I am lucky to be able to afford as an independent contractor who must buy my own. However, I wanted to know what other options were available.

When I heard about the problems with HealthCare.gov, I decided to wait to access the site until a week after its launch. Then I made a successful attempt during an off time, around 9 p.m. on a Tuesday.

I did stumble a bit with the log-in, which took me three tries on account of oddly written instructions. It was a bit annoying, but things like that happen on most Web sites. I then continued to the subsidy section, which seemed to work fine. I am now waiting for my options to be available. As a grown-up, I can handle multi-step processes. I have to maneuver through them daily.

My Netflix account sometimes needs rebooting; getting any answer from the Verizon online site can seem impossible. These are irritating but hardly disastrous issues. Because Verizon's Web site does not function the way I want it to, should phone service be completely rethought?

It seems to me that we “exceptional Americans” should be able to deal with a bit of annoyance on a Web site without throwing the baby out with the bath water.

Christine Hopkins, Arlington