Park said the administration expected 50,000 to 60,000 simultaneous users. It got 250,000. Compare that with the similarly rocky debut seven years ago of exchanges to obtain Medicare drug coverage. The Bush administration projected 20,000 simultaneous users and built capacity for 150,000.

That’s the difference between competence and incompetence.

The too-much-demand excuse also is less than the full story. In addition to grossly underestimating demand, the administration and its contractors seem to have made mistakes in building the websites. The system for verifying consumer identity has had persistent problems, as have pull-down menus.

Nor were problems confined to the 36 state health exchanges run by the federal government. Sites run by 14 states and Washington, D.C., bogged down because they have to refer to federal databases to verify consumers’ identity.