Kentucky Efficiency

It's now time to spread the net to the entire state of Kentucky. The shocking thing is that there haven't been more Kentucky posts given the current governor and attorney general. Today we delve into the world of health insurance.
Kentucky state and state affiliated employees have the option to sign up for "livingwell" insurance. This allows you to save a bit over $1000 a year in premiums. In order to receive this benefit, you need to fill out a questionnaire about your health. That's it. No doctor visit. No actual checking on your health. Just answer a few questions once a year and you are good to go. Of course, this is administered by Humana, that quintessential  Kentucky company. Of course, as an insurance company, they are very concerned about security. Also, you need to complete the questionnaire by July 1st, of you get to pay an extra money next year.
I recently went to fill out my questionnaire and found I was locked out. Of course no one told me I was locked out. There were no warnings. I was simply put into an endless loop. I then had to go through the long and annoying call center process to get my password reset where I was told that since I hadn't been on the site for about a year (Duh, I only go there to fill out my annual health assessment, like almost everyone else), that I'd been locked out for my own protection. No real problem for me. The call center was so inept that I was laughing for most of the call. But what about everyone else? What about all those people who wait until the last 48 hours to fill out their assessment, only to find they are locked out and need a call center to give them access? I'd hate to work in that call center in a couple of weeks.
The question is, is this an attempt to force people to pay more, or just total stupidity on the part of Humana's administration. Since Kentucky is know for both corruption and stupid, we will never know.