Important pieces of the Obamacare site are still glitchy, or missing altogether. And the site’s botched rollout is hardly boosting confidence in the vital components that still need to be built, including the systems for processing payments to insurers and squaring away the details of who has enrolled in which plans.

Both systems are crucial to the insurance industry, which needs to collect premiums so it can pay out claims. And carriers are still waiting for the delayed process of reconciling their enrollment information with the federal government’s data. As the rest of HealthCare.gov struggles to get off the ground, people in and near the insurance industry are nervous about the delays and about how well those systems will work once they’re in place.

“They don’t have a very good track record of building and testing systems, given what we’ve seen so far, so that is cause for concern,” an industry official said.

Another cause for insurers’ anxiety: CGI Federal—the contractor that has come under fire for its work building the bulk of HealthCare.gov—is also in charge of building the payment and reconciliation systems.