“Start by asking why it is that Healthcare.gov is not as good as Amazon.com or Kayak.com. …The deeper answer is that when we look at Kayak and Amazon, we are seeing the survivors that emerged from an intense tournament….Healthcare.gov did not emerge from this sort of competition…My sense is that what divides us from pundits like Brooks and Shields, and even from most economists, is the credit that we assign to market evolution rather than elite expertise as a process for solving problems.”