About 350,000 Georgians who buy their own health insurance may not have to worry about their insurer leaving the state, under an Obama administration decision Tuesday. But they will have to wait until 2013 to get the full benefit of a new rule designed to give consumers more value from their health plans. The federal health law mandates that insurers spend 80% of the money they collect from consumers on claims, but the decision Tuesday means that Georgia insurers will not have to immediately comply with that rule.