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About the Affordable Care Act

The Affordable Care Act was passed by Congress in 2010. The law is officially known as the Patient Protection and Affordable Care Act and is also unofficially called “Obamacare.”

The goal of the Affordable Care Act was to make health insurance available and more affordable for all Americans. Under the Affordable Care Act, insurance companies cannot deny you coverage because of preexisting medical conditions. They also cannot drop you for simply becoming too costly to insure.

Government Plans are those plans directly established by the Affordable Care Act. All of these plans have the same amount of coverage because, per the Affordable Care Act, all Government Plans need to cover the Essential Health Benefits. The Essential Health Benefits include emergency/hospitalization care, preventative care, maternity/pediatric care, mental health services, prescription drug coverage, lab work, and more.

There are five tiers of Government Plans: Bronze, Silver, Gold, Platinum, and Catastrophic. Again, all plans provide the same amount of coverage; the only difference is the cost. Bronze Plans have premiums that cost less per month/year, but you will pay more out-of-pocket when you have medical services. These plans are good for otherwise healthy people, who do not anticipate medical services beyond basic preventative care. Platinum Plans are the exact opposite. You pay more per month/year, but less out-of-pocket. These plans are best for those who have an ongoing medical issue that requires regular medical services. Catastrophic Plans are a “just-in-case” plan for those who need coverage in the event of a major medical issue such as a hospitalization. You must be under 30 or undergoing some form of income hardship to qualify for this plan.

If you meet certain income criteria, you can qualify for a subsidy. Subsides can significantly lower the costs of Government Plans.

Government Plans are only available during Open Enrollment. The only exception is if you missed Open Enrollment, and experienced a major life change, known as a “Qualifying Life Event” you could be eligible sign up for a Government Plan outside of Open Enrollment.

Even though the law was extensive, there are still health plans available that are not supported by the he Affordable Care Act. These plans are Non-Government Plans, and are sometimes referred to as “Private Plans” or “Short Term Plans.” These plans could be denied coverage for preexisting conditions. However, the plans are generally inexpensive and provide necessary health coverage until the next Open Enrollment.

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Los Angeles, CA 90017 is an independent broker and is not a federal or state Marketplace website. This website is owned and operated by QuoteLab, LLC, a licensed insurance agency, NPN #19911386. Invitations for application for health insurance on QuoteLab, LLC, or through its designated agent, Martin Petoyan, only where licensed and appointed. License numbers are available upon request and are provided where required by law. Martin Petoyan's residence state is California, where his license number is 0H96813. QuoteLab's license information can be found at

This website may not display all data on Qualified Health Plans being offered in your state through the Marketplace website or the federal Medicare program. This is not a complete listing of plans available in your service area. To see all available data on Qualified Health Plan options in your state, visit your state Marketplace website, go to the Health Insurance Marketplace website at or consult

Submitting this form does NOT affect your current enrollment, nor will it enroll you in a Medicare Advantage plan, Medicare Prescription Drug plan, Medicare Supplement Plan, or any other Medicare plan. QuoteLab, LLC is independent of the Medicare program and is neither associated with nor endorsed by The Centers for Medicare & Medicaid Services (CMS) or any other governmental agency.

The plans represented on are Medicare Advantage HMO, PPO and PFFS organizations and stand-alone prescription drug plans with a Medicare contract. Enrollment in any plan depends on contract renewal. If you are paying Medicare Part B premium, you must continue to pay it to maintain coverage.

Advertised Pricing:

There are several factors that impact your monthly premium; including your age, geographical location, annual income, dependents, and the type of plan you choose. Monthly premiums do not include out-of-pocket costs.

The advertised price may not be typical. It was generated using the Kaiser Family Foundation's subsidy calculator that was accessed on September 16, 2020. The following parameters were used: 21 year old adult, non-tobacco user, annual income of $24,700 in 2020, no children, and no available coverage through a spouse's employer. The resulting monthly premium was $30 per month (or $360 per year after $2,751 in subsidies) for a Bronze Plan. Even when using the same parameters, the resulting premium and subsidy calculations may be subject to change.