Every state will have a marketplace, and its operation is up to individual states.
Health and Human Resources will partner with each state's marketplace in anticipation of parts of the Affordable Care Act taking effect in 2014.
Twenty-four states, as well as the District of Columbia, have been conditionally approved to partially or fully run.
States had the option to operate their own marketplace or turn it over to the federal government. West Virginia officials opted for a combination -- jointly operating the health insurance marketplace.
Consumers will be able to purchase insurance directly through a marketplace and may also qualify for tax credits and cost-sharing assistance to lower their costs. The health plans will also allow consumers to have the same insurance options as members of Congress and will prevent consumers from being denied coverage based on a pre-existing condition. Insurance coverage will begin Jan. 1.
For more information on the new health insurance marketplace, visit: www.healthcare.gov/marketplace/.