Cover Oregon is making progress on its website when it comes to clients who use insurance agents, but the general public is still using paper applications to get through the process.

Local insurance agent Don Layton is concerned about the large numbers of low income people signing up.

"For example, I'm concerned about the new Medicaid enrollees, the number of enrollment of Medicaid versus private insurance plans.  The last numbers I heard was a 3 and a half to 1, Medicaid to private plans.  That's a concern.  I don't see how it's a sustainable model.  I think there's going to have to be some adjustments somehow, somewhere."

Layton is also concerned about the number of older enrollees versus younger enrollees.  Since older Americans cost more, their numbers, must be offset by younger, healthier ones.  

The Obama Administration feels they need at least 35 percent of the enrollees to be younger people, to pencil out.