The health insurance exchanges were supposed to be the crowning glory of Obamacare an easy way to help the 45 million people who don’t have health insurance get some. Turns out, it hasn’t been so easy. The White House has rolled out so many last minute fixes that critics and supporters alike are asking how anyone can understand what the rules are now..

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The paper, entitled “Cherry Picking,” compared the behavior of three kinds of shoppers: store loyals, store switchers and cherry pickers. Store loyals are people who shop at the same retailer more than 80% of the time. Store switchers shop at multiple retailers but not on the same day.

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