The New York Health Benefit Exchange is a new organized marketplace designed to help people shop for and enroll in health insurance coverage. Individuals, families and small businesses who are seeking health insurance coverage will be able to use the Exchange. Insurance coverage can be purchased through the Health Benefit Exchange beginning in October 2013 and will be effective January 1, 2014. The Exchange has established five Regional Advisory Committees to provide advice and make recommendations on the establishment and operation of the Exchange. Each committee is comprised of representatives of consumers, small business, health care providers, insurance agents and brokers, labor organizations and other stakeholders.