Government officials are considering rebuilding some parts of the federally run health-insurance marketplace that have been identified as the key flaws that blocked many consumers from getting coverage.

Much of the problem stems from a design element that requires users of the federal site, which serves 36 states, to create accounts before shopping for insurance, according to policy and technology experts. The site, healthcare.gov, was initially going to include an option to browse before registering, but that tool was delayed, people familiar with the situation said.

The decision to move ahead without that feature proved crucial because, before users can begin shopping for coverage, they must cross a busy digital junction in which data are swapped among separate computer systems built or run by contractors including CGI Group Inc., the healthcare.gov developer; Quality Software Services Inc., a UnitedHealth Group Inc. unit; and credit-checker Experian PLC.

If any part of the web of systems fails to work properly, it could lead to a traffic jam blocking most users from the marketplace. That’s just what happened: On Oct. 2, officials identified a bottleneck where those systems intersect at a software component sold by Oracle Corp. that still hasn’t been cleared.