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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 operated by Quotelab, LLC, which 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, only where licensed and appointed. License numbers are available upon request and are provided where required by law. QuoteLab's license information can be found at

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TPMO Disclaimer: We do not offer every plan available in your area. Currently we represent [73] organizations which offer [5110] products in your area. Please contact or 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Please note that these numbers provided are not specific to your area but rather represent the number of organizations and the number of products available on a national basis. We will connect you with licensed insurance agents who can provide information about the number of organizations they represent and the number of products they offer in your service area.

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.

Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.

Every year, Medicare evaluates plans based on a 5-star rating system.

Part B Premium give-back is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.

Based on median Medicare Advantage benefit amounts for dental available across multiple plans and metro areas. Not all benefits available in specific plans or regions.

This information is not a complete description of benefits. Contact the plan for more information.

Limitations, copayments, and restrictions may apply.

[Benefits, premiums and/or copayments/coinsurance] may change on January 1 of each year.

Enrollment in a plan may be limited to certain times of the year unless you qualify for a special [election/enrollment] period or you are in your Medicare Initial Election Period.

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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. is operated by QuoteLab, LLC, which is an independent broker and is not a federal or state insurance Marketplace or other website. It does not provide access to any federal or state marketplace or exchange. This website is owned and operated by QuoteLab, LLC, a licensed insurance agency, NPN #19911386. Invitations for application for health insurance are made through QuoteLab, LLC, only where licensed and appointed. License numbers are available upon request and are provided where required by law. QuoteLab's license information can be found at

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