Many reputable insurers sell plans directly to consumers that are identical to those found on the Marketplace. According to KFF , these "ACA-compliant" plans must cover the same 10 essential health benefits and cannot deny you for pre-existing conditions.
While the HealthCare.gov Marketplace is the go-to for many, it isn't the only way to secure coverage. Whether you’re looking for a wider network of doctors, missed an enrollment deadline, or simply don’t qualify for government subsidies, "off-exchange" plans offer a viable alternative. buying health care outside marketplace
Here is what you need to know about navigating the private health insurance market. 1. ACA-Compliant "Off-Exchange" Plans Many reputable insurers sell plans directly to consumers
You cannot use federal premium tax credits or cost-sharing subsidies on these plans. Whether you’re looking for a wider network of
Beyond the Exchange: Your Guide to Buying Health Care Outside the Marketplace