Now, with the sign-up period looming for first-time policy buyers or those who want to switch plans, the insurance industry and some state exchanges appear braced for an equally rocky second year. Even though the national health exchange – which had such a disastrous rollout – seems to be running smoothly, as are most of the state-run exchanges, new carriers are entering the field, and premium prices appear to be all over the map. Expect at least some confusion from your workforce.