The Healthcare.gov initiative entailed G2C and G2B e-commerce, whose imperatives would be different from the more common B2C and B2B types of e-commerce. Conduct some research on G2C and G2B e-commerce effectiveness and critique the "business model" being followed by CMS for Healthcare.gov. Include considerations of ethical, social, and political issues in your answer. What elements of this model appear to encompass sound practices, and which aspects could have used improvement? What changes would have addressed the shortcomings you identified?