In the shadow of negotiations over the so-called fiscal cliff, another deadline looms in Washington. States have until December fourteenth to decide whether they intend to create state-based health insurance markets. If states choose not to build their own or partner with others, then the federal government will step in. As states rush to create exchanges by 2014, they’re considering how best to develop health care comparison tools. Individuals and small businesses need ways to plan for unexpected expenses, find out which plans include their provider, and compare service quality. Diane and her guests talk about building customer-friendly health insurance exchanges.