Here's the final countdown and whether you like it or not a major part of President Barack Obama's health care law will soon be exposed right here on the internet.
Roy Vaughn with BlueCross BlueShield of Tennessee, says, "We're waiting like everyone else to have the marketplace fire up tomorrow."
As the clock strikes midnight, the new online insurance marketplace will list insurance premiums and their prices.
Those with no policy will have six months to log on to HealthCare.gov and sign up.
Hubert Hamilton, a lawyer with health care law experience, says, "The state government is not prepared."
Tennessee and the surrounding states bypassed the opportunity to run this marketplace, so it now falls in the lap of the federal government.
Hamilton adds, "From my perspective, anything that encourages people to have medical insurance, so they can get necessary treatment is good as long as it's affordable."
Only two out of four companies offer policies to the greater Chattanooga area, BlueCross BlueShield of Tennessee and Cigna.
Vaughn says, "To get coverage by January 1st, people will have to make their purchase decisions by December 15th."
According to BlueCross Blue Shield of Tennessee, more than 400,000 people qualify to purchase insurance at this site.
If you do not, you will be fined $95 or one percent of your annual income, whichever is more.
And that some people say is like the federal government peeling off a bandaid.
For more information, go to www.healthcare.gov.