This article compares the US exchanges under Obamacare with those used in Switzerland. The exchanges in Switzerland are more user friendly and they do not require the use of an exchange navigator. The complexity of the US exchanges is due to many factors but it is largely determined by the greater number of choices that are available to consumers under Obamacare. Consumer choice is desirable but it comes at the cost of complexity and higher administrative costs for the exchanges.
The use of exchanges in the US is also complicated by politics. Each state is responsible for setting up its own exchange of leaving that up to the federal government. Many states controlled by Republicans are determined to undermine the successful implementation of Obamacare. Consequently, there is a lot of misinformation about the exchanges and about Obamacare that consumers must sort through.