The Marketplace is a shopping forum, created by the Affordable Care Act, where individuals and small business owners can compare and purchase health insurance plans. Each state chooses how the Marketplace will operate in its own state. Beginning in October 2013, almost all U.S. citizens and lawfully present residents will be able to enroll into health insurance plans through the online Marketplaces, with earliest possible coverage beginning January 1, 2014. People who have Medicare will not be able to get Medicare coverage in the Marketplaces. Medicare Advantage and Medigap plans will not be sold in the Marketplaces.