Democratic leaders in Congress began a final round of healthcare talks, and pledged to overcome their remaining differences with the aim of sending a bill to President Obama before his State of the Union address in late January or early February, the Washington Post reports. The policy gaps to overcome include: The House's version of the bill would create a federally funded insurance option, while the Senate's would not; and the House would create a national insurance exchange, while the Senate would take a state-by-state approach to such a marketplace.