: Often offer broader doctor networks than those found on the government exchange.

: Directly from insurance companies, through licensed brokers, or via private online health insurance sellers.

These plans provide the same "minimum essential coverage" and consumer protections as Marketplace plans, such as covering pre-existing conditions and offering 10 essential health benefits.

Yes, you can buy health insurance outside of the Affordable Care Act (ACA), often referred to as "Obamacare." These options generally fall into two categories: and Non-ACA-compliant alternative plans . 1. Off-Exchange ACA-Compliant Plans

: You cannot receive premium tax credits or income-based subsidies if you buy outside the government Marketplace.