The Los Angeles Times reports that people who bought insurance on the “Affordable” Care Act’s exchanges are now running into trouble with insurers handling the policies. Often, insurers can’t confirm coverage, they’re behind on answering questions or haven’t issued ID numbers.

“Some insurers have begun to apologize this week, acknowledging a lackluster response amid an unprecedented surge of applicants,” the paper reports. “Industry officials say the disastrous launch of the federal exchange and the ever-changing rules from the Obama administration have complicated their job and contributed to the backlog.”

The Associated Press reports that insurers “are seeing cases in which the government has assigned the same identification number to more than one person, as well as so-called ‘ghost’ files in which the insurer has an enrollment record but the government does not.” It goes on:

“Orphaned files — when the insurer has no record of enrollment — are particularly concerning because the companies have no automated way to identify the presumed policyholder. They say they have to manually compare the lists of enrollees the government sends them with their own records because the government never built an automated system that would do the work much faster.”

This shouldn’t surprise anyone. In mid-November, a month and a half after the Obamacare exchanges were supposed to be running, the administration testified to Congress that 30% to 40% of the system had not even been built — primarily “back office” parts that handle accounting and payments. The Washington Post reported:

“Also yet to be finished is a component that ensures that the state and federal marketplaces and the insurers have accurate, matching information about enrollments. Officials are also still working on a system that makes payments to insurers that attract high-risk patients. These systems must be in place by January, officials have said.”

The train wreck goes on.