In Georgia, like many other Southern states, opposition to the new federal health-care law runs deep. Yet a conservative committee of experts has, without rancor, outlined a plan to give the state a health insurance exchange, a cornerstone of the legislation enacted last year. The panel had the blessing of Republican Gov. Nathan Deal, a former congressman who describes himself as the first House member to denounce the health-care law as unconstitutional. Georgia has joined 25 other states in a legal challenge to the legislation that is now on the Supreme Court's schedule. But if the law is not overturned by the court or repealed, states will have two choices: to comply with it or wait for the federal government to force it on them.