There are differences in the House and the senate and the main difference is the exchanges.The House has National exchanges which states can opt out and create their own exchanges.The Senate has state based exchanges.The House has also a uniform implementation that would not have states lagging behind.The Senate has states facing budget problems could be slow to implement the exchange or effectively regulate the insurance product they sell.Lastly the house has the exchange able to negotiate premiums, administrative costs with insurers, selecting only the most prudent policies.The Senate has exchanges can take an insures' premium history into account.Do you agree with the house because it seems to take more of the population into consideration and not just the individual states?