COLUMBIA, S.C. (SCRN/AP/WVOC) - New health insurance exchanges that were created under the Affordable Care Act will go online Tuesday.

The exchanges or marketplaces are designed as a way for the uninsured to find a health plan they can afford.

South Carolina opted not to form its own exchange, so residents in our state must sign up through the federal Health Insurance Marketplace.

The U.S. Department of Health & Human Services has released some details on what coverage could cost, but state Department of Insurance director Ray Farmer recommends using a trusted broker or specially-trained navigator to help figure out the best options.

We would urge our consumers to be careful, do their due diligence and research as they go through this process to see what best fits for them,” Farmer says.

While the marketplace goes online on Tuesday, a person has until December 15th to enroll.

The insurance coverage would begin on January 1st.

For more information, you can check online at www.healthcare.gov