LINCOLN, Neb. (AP) – Nebraska Department of Insurance Director Bruce Ramge says officials aren’t ready to decide whether to adopt a state-based health insurance exchange, a federal model or another option offered under the new national health care law. Ramge says officials still don’t know key details or the exact cost of a federal health care exchange, compared to one created by the state. State officials can choose to adopt a state, regional or federal exchange, or a federal-state partnership in which the federal government runs certain aspects, such as electronic record-keeping, while the state handles customer service or other tasks. Enacting a state exchange would require legislation. Ramge says officials are also heeding Gov. Dave Heineman’s preference to wait until the U.S. Supreme Court rules on the health care law.