One of the most important components of the Affordable Care Act is the Health Insurance Marketplace, originally called the Exchange. The Marketplace is an online shopping portal that allows consumers to shop for qualified plans and to apply for financial assistance in the form of premium tax credits and cost-sharing subsidies. The site also allows consumers to apply for government programs like Medicaid and the Children’s Health Insurance Program (CHIP). Under the law, each state is required to develop its own marketplace site for individuals as well as an exchange site for small employers, called the SHOP Exchange. In states that choose not to develop their own exchange, the federal government will do it for them. The majority of states chose to use Healthcare.gov, the “Federally Facilitated Marketplace,” instead of developing their own exchange.