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Learn About Your Coverage Options
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Knowing Your Options is Important

The purpose of the Affordable Care Act was to provide all Americans with access to qualify health care, along with insurance that is both attainable and affordable.

The legislation has in effect led to two categories of health plans:

  1. Plans mandated by the state and/or federal government, known as “Government Plans”, and
  2. Those plans that are not mandated by the government, or “Non-Government Plans.”

As you shop for health insurance, it is important for you to understand the difference between these two categories.

Government Plans

Government Plans are those explicitly created by the Affordable Care Act. You can only get a Government Plan during the Open Enrollment Period. The only exception is that if you missed Open Enrollment, you may be able to sign up if you have a Qualifying Life Event

All Government Plans are required by law to provide you with what are known as the “Essential Health Benefits.” These benefits include hospital/emergency coverage; preventative services; maternity and pediatric care; rehabilitative services; mental health services; prescription drug coverage; and more.

There are five types of Government Plans in total. The first four are known as the “metal plans” and are categorized as:

  1. Bronze
  2. Silver
  3. Gold
  4. Platinum

What makes each metal plan different is not the coverage but the cost: how much you pay for your monthly or annual premium vs. how much the plan pays. All plans offer the same quality coverage.

Bronze Plans have the lowest monthly or annual premiums. However, with these plans you should expect to pay more out-of-pocket, or when you need medical services. Platinum Plans are the exact opposite; your monthly/annual rate is higher, but you pay a lot less out-of-pocket.

The fifth plan is the Catastrophic Plan. The premium on these plans is generally even less than Bronze Plans. However, and as the name suggests, these plans are primarily meant to protect you from catastrophic circumstances, such as an emergency or serious illness. The plans do allow for some preventive care though. You must have an income hardship and/or be under 30 years old to qualify.

To ensure that the plans are truly affordable, the Affordable Care Act has established a subsidy or “discount” program. Subsidies can significantly lower your costs. Currently, many uninsured Americans qualify for these cost benefits; however, you must meet certain income guidelines.

By entering your zip code and filling out the 1-page application, will direct you to the plans that best meet your eligibility. This information is also used to determine if you qualify for any subsidies.

Learn more about the differences among the five Government Plans here.

Non-Government Plans

Non-Government Plans are those that are not supported by the government. These plans are very similar to how health insurance was before the Affordable Care Act. Unlike Government Plans, you can be denied coverage for preexisting conditions.

So why get a Non-Government Plan?

If you missed Open Enrollment and also do not have what is known as a Qualify Life Event-- or certain life changes that allows you to enroll in a Government Plan after Open Enrollment -- the only way to get health coverage is through a Non-Government Plans. It could be several months until the next Open Enrollment, and Non-Government Plans are a great temporary solution to bridge the coverage gap.

Non-Government Plans are a generally inexpensive way to protect yourself from the financial risk of not having any coverage. If you are uninsured, it just takes one unforeseen medical issue or emergency to lead to a tremendous financial strain from medical bills, which can lead to debt up to hundreds of thousands of dollars.

Learn more about Non-Government Plans here.

Finding the Right Plan

If you are not sure if you qualify for a Government or Non-Government Plan, please enter your zip code and fill-out the 1-page application. Based on your information, will help determine your eligibility. You can also call (844) 735-0032 to speak to an agent.

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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.