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ObamacareUSA.org: We've Got You Covered

The Good News About Obamacare:

Before Obamacare, healthcare premiums were too expensive for many families to afford. And even if you could afford it, insurance companies would deny coverage to anyone who had a preexisting medical condition, making it near impossible to get coverage if you weren't 100% healthy. Obamacare, officially known as the "Affordable Care Act," changed all of that. Now, by law, healthcare has become much more affordable and universally available. You don't need a high income or perfect health to get insured.

The Bad News About Obamacare:

Obamacare can be very confusing - the law is over 1,000 pages long!

People have been overloaded with information, some of which has been inaccurate. Some government websites have also been limited in terms of ease of use and health options offered. All this has made it difficult for people to know their options, shop around, and enroll in the plan that is truly the best fit for their income and coverage needs.

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Fortunately, ObamacareUSA.org is here to help!

ObamacareUSA.org is a free website that makes it easy for you to find and compare health carriers and brokers in your area.
With our relationships and technology, we can match you with providers in your area. What this means is that you can compare your options with just a few clicks of the mouse!

Here is how it works:

  1. To begin, just enter your zip code.
  2. Next, tell us a little about yourself.
  3. Lastly, compare your health insurance options!

It is just that easy to compare online and if you prefer to talk to someone, we have licensed agents standing by at .

Enrollment Periods and Income:

Your eligibility for coverage and for rate discounts is impacted most by two factors:

  1. Enrollment Period and
  2. Income and Household Size

Enrollment Periods

The current "Open Enrollment Period" is from November 1, 2023 to January 15, 2024. Existing 2023 plans expire on December 31, 2023. In order to avoid any gaps in coverage, it is highly recommended you sign-up by December 15, 2023.

You must sign up by the 15th of the current month in order to have coverage by the start of the coming month. For example, if you enroll by December 15, your coverage begins on January 1, 2024. However, if you are even a day late, you would have to wait until February 1, 2024 for your coverage to begin.

When Open Enrollment ends, or after January 15, 2024, the "Special Enrollment Period" kicks-in. During this time, unless you have a major life change, known as a "Qualifying Life Event", you are not eligible to sign up for coverage. Learn more about the Special Enrollment Period and check if you have a Qualifying Life Event here

What if you not only missed Open Enrollment, but you also do not have a Qualifying Life Event? The good news is that with ObamacareUSA.org, you can still get a private insurance plan, known tas a "Short Term Plan". Learn more about Short Term insurance here

Income and Household Size:

Your annual income, along with the number of people in your household, greatly impacts your insurance rate because this information is used to determine your eligibility for subsidies. Think of subsidies like a credit or a discount that can be applied directly to your monthly premium. If you qualify, the lower the income of your household, the greater amount the subsidy will be. ObamacareUSA.org automatically calculates your subsidy eligibility based on the information you provide. If you want to learn more about subsidy eligibility requirements, here

Still looking for rates? ObamacareUSA.org, a licensed health insurance broker, can help you get a competitive quote.
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Los Angeles, CA 90017

ObamacareUSA.org 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 https://www.quotelab.com/licenses.html.

Federal Contracting Statement: Plans are insured or covered by a Medicare Advantage organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare.

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 Medicare.gov 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 ObamacareUSA.org 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.

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.

ObamacareUSA.org 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 https://www.quotelab.com/licenses.html.

This website does not provide information about specific health plans, or enable visitors to obtain insurance quotes, on this website. However, if you provide your information and consent, we will transfer your information to insurance carriers and brokers that may contact you to offer Affordable Care Act (ACA) plans, short-term plans, medical indemnity plans and/or healthcare sharing ministry plans, and we will receive compensation for such transfer. The advertisements appearing on this website are placed by clients from which QuoteLab, LLC receives compensation, and such compensation may impact whether such advertisements appear on this website and the order in which they appear.

ObamacareUSA.org is required to comply with all applicable federal law, including the standards established under 45 CFR 155.220(c) and (d) and standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information. This website does not provide a complete listing of, or display all data on all Qualified Health Plans being offered in your state or service area through the Marketplace website or the federal Medicare program. 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 https://www.healthcare.gov.

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