An important part of the Affordable Care Act, commonly known as Obamacare, begins on Tuesday. Each state puts its Health Insurance Exchange on line. The Exchange is a website where people can shop for health insurance policies, rates, subsidies, and tax credits. The ACA requires all Americans to have health insurance by January 1, 2014, or face a penalty. To get to the North Carolina Exchange, go to www.healthcare. gov Be sure to view Wes Goforth's report about the NC Exchange.