I used a state (Colorado) healthcare marketplace website when I was going to take a break between jobs for a couple of months, and I feel very violated by the whole process. I entered a bunch of information to the website, knowing that the data could be expected to be shared for quotes, but I got no quote. The information didn't just flow between systems, it was just sent directly to a bunch of individuals. Instead of getting anything useful from the website, I just got told that agents would contact me, and then literally hundreds of agents were calling and texting me at all hours of the day and night for weeks. I asked one of them how to get it to stop and they said it was impossible during the government shutdown.
Possible you got tricked into using a private site that buys the first google sponsored google result, and talks like it is the official Colorado site but is just lead gen?
Because the FTC has been defanged, and it was the main body preventing this sort of thing. Along with the CFPB for financial products (I don’t think insurance qualifies though.)
So many things are intentionally broken. All of the complaints about illegal immigrants working on our farms, and yet no mention that we do have a migratory laborer visa - it's just the quota is way too low.