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Federally run exchanges are having similar problems.
It gave less thought to how the federally run exchanges would be funded.
Some companies are also moving retirees eligible for Medicare to privately run exchanges.
The federal government will create and run exchanges in any state that is unable or unwilling to do so.
Many products are sold through loosely regulated channels, including online financial investment platforms and privately run exchanges.
In one example, the Obama administration said on Thursday that small businesses would not be able to buy coverage online through federally run exchanges until November.
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She said the federal fees should generally be "commensurate with fees" charged by state-run exchanges.
The law offers subsidies to Americans who buy health insurance on state-run exchanges.
Many Republicans in state legislatures, including in Arizona, do not need convincing: they are against state-run exchanges.
only authorizes subsidies for individuals who buy health insurance on the fourteen state-run exchanges, or marketplaces.
State-run exchanges also reported higher-than-expected use, including several million visits to New York's Web site.
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