REP. CORY GARDNER: Well how much do we have to build today, still? What do we need to build? 50 percent? 40 percent? 30 percent?
HENRY CHAO: I think it's, uh, just an approximation, we're probably sitting somewhere between 60 and 70 percent because we still have to build...
GARDNER: Wait, 60 or 70 percent that needs to be built, still?
CHAO: Because we still have to build the payment systems to make payments to insurers in January.
GARDNER: Let me get this correct. Sixty to 70 percent of Healthcare.gov still needs to be built?
CHAO: It's not really about Healthcare.gov -- it's the federally-facilitated marketplace.
GARDNER: The entire system that the American people are being required to rely upon...
CHAO: Healthcare.gov -- the online application, verification, determination, plan compare, getting enrolled, generating the enrollment transaction -- that's 100 percent there.
GARDNER: But the entire system is 60 to 70 percent away from being complete.
CHAO: There's the back office systems, the accounting systems, the payment systems...they still need to be done.