Healthcare.gov Marketplace blocks access to the market: Is There A Problem Here?: Healthcare.gov Marketplace blocks access to the market

20131026

Problem ID: 5331579040229954939
Entered by: Ben Simo

Healthcare.gov Marketplace blocks access to the market

Healthcare.gov has been designed in such a way that people must create an account, validate their email
address, verify their identity, and then complete an insurance application -- just to browse available options. This design forces all users -- even those who are just curious and have no intention of buying insurance -- through an unnecessary funnel. This is not how high-performing high-volume websites are designed.

I went down this funnel as required, telling it that I was interested in insurance for only a single household member. Once that application was processed (which I didn't even submit for processing), the site won't permit creation of another application. It won't allow me to see options for insuring more than just the one member of my household that is not covered by my current employer.

I doubt I am the only one who would like to know about options other than those available for their current situation. Blocking people from getting information for both their current and potential future situations makes it harder for people to make decisions about where they work and live. If this is to be a Marketplace that enables decision making and purchasing of healthcare insurance, coverage details should be freely accessible to all regardless of their current situation.

1 Comment:

Comment ID: 5950938453076258669 Written by: TMLutas: This is what you get when you are trying to nudge people without allowing them to game the system. HHS knows that there are poverty traps built into this subsidy system and so it is important to hide the effects on enrollees who might have a promotion or higher earnings foreseeably coming up.

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Software testing tools: Heuristics for recognizing problems.

Usability Heuristics

from Jakob Nielsen

• Visibility of system status Visibility of system status: The system should always keep users informed about what is going on, through appropriate feedback within reasonable time.
• Match between system and the real world Match between system and the real world: The system should speak the users' language, with words, phrases and concepts familiar to the user, rather than system-oriented terms. Follow real-world conventions, making information appear in a natural and logical order.
• User control and freedom User control and freedom: Users often choose system functions by mistake and will need a clearly marked "emergency exit" to leave the unwanted state without having to go through an extended dialogue. Support undo and redo.
• Consistency and standards Consistency and standards: Users should not have to wonder whether different words, situations, or actions mean the same thing. Follow platform conventions.
• Error prevention Error prevention: Even better than good error messages is a careful design which prevents a problem from occurring in the first place. Either eliminate error-prone conditions or check for them and present users with a confirmation option before they commit to the action.
• Recognition rather than recall Recognition rather than recall: Minimize the user's memory load by making objects, actions, and options visible. The user should not have to remember information from one part of the dialogue to another. Instructions for use of the system should be visible or easily retrievable whenever appropriate.
• Flexibility and efficiency of use Flexibility and efficiency of use: Accelerators -- unseen by the novice user -- may often speed up the interaction for the expert user such that the system can cater to both inexperienced and experienced users. Allow users to tailor frequent actions.
• Aesthetic and minimalist design Aesthetic and minimalist design: Dialogues should not contain information which is irrelevant or rarely needed. Every extra unit of information in a dialogue competes with the relevant units of information and diminishes their relative visibility.
• Help users recognize, diagnose, and recover from errors Help users recognize, diagnose, and recover from errors: Error messages should be expressed in plain language (no codes), precisely indicate the problem, and constructively suggest a solution.
• Help and documentation Help and documentation: Even though it is better if the system can be used without documentation, it may be necessary to provide help and documentation. Any such information should be easy to search, focused on the user's task, list concrete steps to be carried out, and not be too large.

Consistency Heuristics

from James Bach
and Michael Bolton

-F amiliar Familiar: The product is not consistent with the pattern of any familiar problem.
E xplainable Explainable: The product is explainable.
W orld World: The product is consistent with the real world.
H istory History: The present version of the product is consistent with past versions of it.
I mage Image: The product is consistent with an image that the organization wants to project.
C omparable Products Comparable Products: The product is consistent with comparable systems.
C laims Claims: The product is consistent with what important people say it’s supposed to be.
U ser Expectations User Expectations: The product is consistent with what users want.
P roduct Product: Each element of the product is consistent with comparable elements in the same system.
P urpose Purpose: The product is consistent with its purposes, both explicit and implicit.
S tatutes Statutes: The product is consistent with applicable laws.

FAILURE Heuristics

from Ben Simo

F unctional Functional: The error detecting, reporting, and handling functions properly.
A ppropriate Appropriate: Errors are reported at the appropriate time in an appropriate manner.
I mpact Impact: The impact of the failure is communicated to those impacted.
L og Log: The error is appropriately logged; or not logged.
U ser Interface User Interface: The error is reported in the user interface in terms that the user understands.
R ecovery Recovery: The user is informed of what they need to do to recover from the error.
E motions Emotions: The error handling and reporting has a positive influence on user emotions.

Security Vulnerabilities

the OWASP Top 10

1. Injection Injection: Injection flaws occur when untrusted data is sent to an interpreter as part of a command. The attacker’s hostile data can trick the interpreter into executing unintended commands or accessing data without authorization.
2. Broken authentication and session management Broken authentication and session management: Application functions related to authentication and session management are often not implemented correctly, allowing attackers to compromise passwords, keys, or session tokens, or to exploit other implementation flaws to assume other users’ identities.
3. Cross-Site Scripting Cross-Site Scripting (XSS): XSS flaws occur whenever an application takes untrusted data and sends it to a web browser without proper validation or escaping. XSS allows attackers to execute scripts in the victim’s browser which can hijack user sessions, deface web sites, or redirect the user to malicious sites.
4. Insecure Direct Object References Insecure Direct Object References: A direct object reference occurs when a developer exposes a reference to an internal implementation object, such as a file, directory, or database key. Without an access control check or other protection, attackers can manipulate these references to gain unauthorized access to data.
5. Security Misconfiguration Security Misconfiguration: Good security requires having a secure configuration defined and deployed for the application, frameworks, application server, web server, database server, and platform. Secure settings should be defined, implemented, and maintained, as defaults are often insecure. Additionally, software should be kept up to date.
6. Sensitive Data Exposure Sensitive Data Exposure: Many web applications do not properly protect sensitive data, such as credit cards, tax IDs, and authentication credentials. Attackers may steal or modify such weakly protected data to conduct credit card fraud, identity theft, or other crimes. Sensitive data deserves extra protection such as encryption at rest or in transit, as well as special precautions when exchanged with the browser.
7. Missing Function Level Access Control Missing Function Level Access Control: Most web applications verify function level access rights before making that functionality visible in the UI. However, applications need to perform the same access control checks on the server when each function is accessed. If requests are not verified, attackers will be able to forge requests in order to access functionality without proper authorization.
8. Cross-Site Request Forgery Cross-Site Request Forgery (CSRF): A CSRF attack forces a logged-on victim’s browser to send a forged HTTP request, including the victim’s session cookie and any other automatically included authentication information, to a vulnerable web application. This allows the attacker to force the victim’s browser to generate requests the vulnerable application thinks are legitimate requests from the victim.
9. Using Components with Known Vulnerabilities Using Components with Known Vulnerabilities: Running software components with known vulnerabilities can compromise the vulnerable components and anything those components can access -- undermining defenses.
10. Unvalidated Redirects and Forwards Unvalidated Redirects and Forwards: Using untrusted data, without validation, to determine the destination of redirects and forwards can enable attackers to redirect victims to phisihing or malware sites.