States have been slow to create the health-insurance exchanges mandated by the Affordable Care Act, most likely because of recalcitrant governors waiting to hear the Supreme Court's decision on whether the law is constitutional. The Urban Institute, a think tank, has found that only 14 states have made significant progress in creating the government-subsidized exchanges while 16 had made little or no progress. The study also showed that the states that have been slowest to move have the most uninsured residents. 

The White House plans to release guidelines for internet companies to help them protect consumers' privacy today. However, the rules are voluntary, which means the web will likely remain an information free-for-all. The Federal Trade Commission will only police companies who agree to the administration's Consumer Privacy Bill of Rights. The only real incentive for companies to agree to the rules is to boost consumer confidence.