You can find extremely nice places for around 500-700 Euros per Month depending on where you want to live. Demand for flats is extremely high so it's really a matter of luck. Another 700 Euros to live very comfortably in Berlin (Lunch, occasional dinner, going out on weekends). Standards of living are extremely high in Berlin. I can only recommend this city!
A lot of things coming together. The federal government had hoped the states would roll out healt care exchanges. Lots of states refused, so the federal government had to put up an exchange themselves.
Big IT projects done by big organisations in a rush rarely go well.
I'm not from the USA either, so take your pinch of salt.
I would say one of them could be in making the utility (electricity, gas, water) more user friendly. Transparency hardly exists and there are seldom interactions between companies and subscribers. Focusing on user experience in this area could be an opportunity...
Your post implies that rare interactions with the utility are somehow a problem - IMHO a perfect true utility would get even fewer interactions, ideally 0; just bill my account for what I owe for water and ensure that water always works...
In an ideal world should have exactly 1 interaction with my utility ever - when I move in, give them my details and sign an agreement. If they need a second interaction, then that's likely due to some problem or failure.
For many people utility bills are a large expenditure, not an insignificant one. A company that can make it easier for folks to budget, plan, predict, etc could potentially reap rewards as they can take on lower income or risky utility customers who historically have high default rates and lower the default rate through proactive management. Furthermore a regular person might appreciate a utility company that bends over backwards to ensure there are no surprises on the monthly utility bill.
That doesn't just go for electric power but other things as well like mobile phones, cable TV, internet, etc. I'm not optimistic that the Congress will get their shit together in the near future and force last-mile monopolies to provide access again like the FCC required for a while. But if they do, look out!