Thirty-two states have opted not to create state-based insurance exchanges and at least 25 states have opted to go with the federal default. Find out why these states have decided a state-based insurance exchange is the wrong answer.

For example, Arizona Governor Jan Brewer said, "Though I am a steady advocate of local control, I have come to the conclusion that the State of Arizona would wield little actual authority over its 'state' Exchange. The federal government would maintain oversight and control over virtually every aspect of our Exchange, limiting our ability to meet the unique needs of Arizonans and the Arizona insurance market."

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