From my experience, yes the site is really bad, and it's more than just heavy traffic. The sign up screen lists some requirements for the username, but not all of them. My sign up attempt failed several times with a non-descript error message, which I attributed to the heavy traffic, until later I saw the "Forgot your username" page listed more requirements (apparently you can't end a username in a special character,…
Sure enough last night I was able to get in with the credentials I signed up with.
I won't be signing up for any plans through it though, similar coverage would cost me about the same as what I pay now. Then again, my employer picks up 50% of my premium, so for some people it may represent a huge savings.