The U.S. administration has a little over a month to fix the technology problems crippling its online health insurance marketplace, or jeopardize the goal of signing up millions of Americans in time for benefits under President Barack Obama’s healthcare law, experts said on Thursday.

Problems with the federal marketplace’s entry portal serving 36 states, the website Healthcare.gov, continued for a 10th day on Thursday despite signs of gradual improvement, keeping a brake on the ability of consumers to shop for federally subsidized health coverage. …

“Mid-November would be a time where folks who are getting online or accessing in other ways should really see things move pretty efficiently,” Dan Hilferty, chief executive of Philadelphia-based Independence Blue Cross, said in an interview. “As we get closer to January 1, if in fact some of these glitches are not fixed, then I think people will become more and more concerned, and maybe panic about it.”