If you are UNDER 65, we strongly recommend you check with this recommended agent BEFORE trying to call or even log on to the government website. He has the most up-to-date information regarding the Affordable Health Care Act, and your coverage costs are exactly the same whether or not you use a licensed insurance agent. If you do not talk with an agent prior to this, there may be nothing we can do to help you as things must be handled in a very specific manner.