Fredericksburg (WFVA) -- The Affordable Care Act explained. It was standing room only last night in a meeting room at the Central Rappahannock Regional Library as details of the Affordable Care Act were discussed. Dr Chris Lillis with Doctors for America said you can start signing up for policies thru exchanges a week from today. He said examine the options. Policies won't take effect until January 1st. The federal exchanges are for people who don't have insurance and can't get it through work and can't afford private insurance. Dr. Lillis said exchanges will mean lower rates for small businesses. He expects monthly premiums will be cut in half. A help line has been established at 1-800-318-2596.