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 web site. 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.