<p>My state (MN) will most likely not be ready to roll out exchange on October 1st. The web-site is ready, but people (for example insurance brokers) were not trained to assure security of information. Since we (in my state) had a huge bridge of privacy (the SSNs of about 1.7K insurance agents were disclosed), MN is taking an extra step to prevent this from happening with consumer data.</p>