States Face Obamacare Health Exchange Deadline

States have another few hours to decide whether they want to create their own health care marketplace, or partner with the federal government, with CNBC's Bertha Coombs.

But the woman who is helping to lead the build out of the federal exchange said most users won't notice much difference from the state-built exchanges except for the branding of the online marketplaces.

"Whether you go in through the federal experience, to your state exchange," said Melissa Boudreault, CGI vice president of state health solutions, "the experience will be very, very similar."

(Read More: Drop Coverage or Cut Hours? Big Companies Grapple With Obamacare.)

Boudrealt expects the outreach effort in states that are running their own exchanges or partnering with the Obama administration will likely be more extensive, and that could ultimately affect enrollment. It's a key issue when it comes to so-called "young invincibles" who may opt to pay the $95 penalty for not carrying insurance, rather than buy a plan they deem too expensive.

"It becomes a big question of you recruit the young," said Deloitte's Patrick Howard. "The individual mandate, in and of itself, is not sufficient."

—By Bertha Coombs; Follow her on Twitter: @coombscnbc

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