WASHINGTON - A full 30% of the complex and critical HealthCare.gov site is not yet built according to project manager Henry Chao.

"That 30% represents the payment aspect and the accounting aspect of making payments in the market place," Chao explained to a House committee on Tuesday.

At stake are the billions insurance companies will be paid in federal subsidies for many who buy policies through the site.

The site has to account for who gets what and move the money by January 1st.

The job must also be completed before any security checks can be run.

Read more at NBCNews.com.

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