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Cato Institute Director of Financial Regulation Studies Dr. Mark Calabria testifies in front of the House Oversight and Government Reform Committee during a hearing on the rollout of HealthCare.gov at the Rayburn Building on Capitol Hill, Washington, D.C., Wednesday, December 4, 2013. (Andrew Harnik/The Washington Times)

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Left to right: George Mason University senior research fellow Dr. Veronique de Rugy, Brookings institution senior fellow Dr. Clifford Winston, Cato Institute Director of Financial Regulation Studies Dr. Mark Calabria, appear before the House Oversight and Government Reform Committee for a hearing on the rollout of HealthCare.gov at the Rayburn Building on Capitol Hill, Washington, D.C., Wednesday, December 4, 2013. (Andrew Harnik/The Washington Times)

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Left to right: George Mason University senior research fellow Dr. Veronique de Rugy, Brookings institution senior fellow Dr. Clifford Winston, Cato Institute Director of Financial Regulation Studies Dr. Mark Calabria, and Johns Hopkins public health historian and communications associate Dr. Karen Kruse Thomas appear before the House Oversight and Government Reform Committee for a hearing on the rollout of HealthCare.gov at the Rayburn Building on Capitol Hill, Washington, D.C., Wednesday, December 4, 2013. (Andrew Harnik/The Washington Times)

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House Oversight and Government Reform Chairman Rep. Darrell Issa (R-Calif.), center, talks with Rep. John Mica (R-Fla.), left, and Rep. Michael Turner, (R-Ohio), right, before a hearing on the rollout of HealthCare.gov at the Rayburn Building on Capitol Hill, Washington, D.C., Wednesday, December 4, 2013. (Andrew Harnik/The Washington Times)

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Chairman Darrell Issa (R-Calif.), center, speaks during a hearing on the rollout of HealthCare.gov by the Committee on Oversight and Government Reform at the Rayburn Building on Capitol Hill, Washington, D.C., Wednesday, December 4, 2013. (Andrew Harnik/The Washington Times)

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Chairman Darrell Issa (R-Calif.) arrives for a hearing on the rollout of HealthCare.gov by the Committee on Oversight and Government Reform at the Rayburn Building on Capitol Hill, Washington, D.C., Wednesday, December 4, 2013. (Andrew Harnik/The Washington Times)

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Chairman Darrell Issa (R-Calif.), left, greets Dr. Clifford Winston, senior fellow with the Brookings Institution before he testifies during a hearing on the rollout of HealthCare.gov by the Committee on Oversight and Government Reform at the Rayburn Building on Capitol Hill, Washington, D.C., Wednesday, December 4, 2013. (Andrew Harnik/The Washington Times)

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Chairman Darrell Issa (R-Calif.) second from right, begins a hearing on the rollout of HealthCare.gov by the Committee on Oversight and Government Reform at the Rayburn Building on Capitol Hill, Washington, D.C., Wednesday, December 4, 2013. (Andrew Harnik/The Washington Times)

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Chairman Darrell Issa (R-Calif.) arrives for a hearing on the rollout of HealthCare.gov by the Committee on Oversight and Government Reform at the Rayburn Building on Capitol Hill, Washington, D.C., Wednesday, December 4, 2013. (Andrew Harnik/The Washington Times)

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Chairman Darrell Issa (R-Calif.) arrives for a hearing on the rollout of HealthCare.gov by the Committee on Oversight and Government Reform at the Rayburn Building on Capitol Hill, Washington, D.C., Wednesday, December 4, 2013. (Andrew Harnik/The Washington Times)

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Chairman Darrell Issa (R-Calif.) arrives for a hearing on the rollout of HealthCare.gov by the Committee on Oversight and Government Reform at the Rayburn Building on Capitol Hill, Washington, D.C., Wednesday, December 4, 2013. (Andrew Harnik/The Washington Times)

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Chairman Darrell Issa (R-Calif.) arrives for a hearing on the rollout of HealthCare.gov by the Committee on Oversight and Government Reform at the Rayburn Building on Capitol Hill, Washington, D.C., Wednesday, December 4, 2013. (Andrew Harnik/The Washington Times)