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As the deadline draws nearer for states to achieve certification for their health-insurance exchanges, regulators say the lack of rules and guidance from Washington is holding up the process.

In discussions on the implementation of the Patient Protection and Affordable Care Act (PPACA) during the National Association of Insurance Commissioners’ Summer National Meeting, held August 11-14 in Atlanta, regulators and NAIC staff cited delays they are experiencing because the Department of Health and Human Services (HHS) has yet to complete its rule-making process that will govern the exchanges.

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