: Private insurers often offer "hidden" plans that aren't listed on government sites.
These are not traditional insurance but rather groups of people who share medical costs based on common ethical or religious beliefs. They are often exempt from ACA requirements. How to Purchase Off-Exchange Coverage buy health insurance outside marketplace
: Brokers can compare multiple private plans and help you understand the fine print at no extra cost to you. : Private insurers often offer "hidden" plans that
: Most ACA-compliant private plans still follow the standard Open Enrollment Period (usually Nov 1 – Jan 15). How to Purchase Off-Exchange Coverage : Brokers can
These are temporary plans designed to bridge gaps in coverage. : Generally much cheaper than ACA plans.
: You cannot use premium tax credits or cost-sharing reductions for off-exchange plans.
Buying health insurance outside the federal or state Health Insurance Marketplace is a process often called purchasing "off-exchange" coverage. While you lose access to government subsidies, you may gain access to a wider variety of plans and networks. Why Buy Outside the Marketplace?