Two major decisions loom for Gov. Nathan Deal and other Republican governors who have put off key decisions tied to President Barack Obama's healthcare law. One is whether they to accept billions of federal dollars to expand Medicaid, determining whether hundreds of thousands of low-income Georgians get access to health coverage. More immediately, state leaders must declare by Nov. 16 whether they will build and operate new online insurance exchanges. Experts say even if Georgia opts to create its own exchange, there isn't enough time to get one up and running by the Jan. 1, 2014 deadline.