Can I buy health insurance outside of the Marketplace ... - KFF
Here is what you need to know about navigating the private health insurance market. 1. ACA-Compliant "Off-Exchange" Plans
You cannot use federal premium tax credits or cost-sharing subsidies on these plans.
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.
If you are looking for specific types of coverage or need a bridge between jobs, you might encounter non-ACA-compliant options. These can be riskier but often have lower monthly premiums.
