What are they?

The Health Insurance Marketplace (also called Exchange) is one option from where consumers can shop for and buy health insurance. 

In 2014, all consumers are required to have insurance or pay a fine -- $95 per person ($47.50 per child under 18, up to a maximum of $285 per family) or 1% of family income, whichever is greater.

These marketplaces are a requirement of the health care law passed in 2010. At www.healthcare.gov Nebraskans can shop for a plan and fill out an application.

Consumers can shop for and buy insurance coverage directly through an insurance company or insurance agent, as well. Whether buying on the marketplace or with an insurance company, many individuals will be eligible for cost assistance from the government in the form of tax credits.