: Visit the websites of major carriers (like UnitedHealthcare, Aetna, or Blue Cross Blue Shield) to view their direct-to-consumer options.
: Many off-exchange plans include doctors and specialists that aren't available in Marketplace plans. buy health insurance outside marketplace
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? : Visit the websites of major carriers (like
These are sold directly by insurance companies or through brokers. They offer the same "essential health benefits" as Marketplace plans, such as: Maternity care Mental health services Pre-existing condition coverage No annual or lifetime limits 2. Short-Term Health Insurance While you lose access to government subsidies, you
These are temporary plans designed to bridge gaps in coverage. : Generally much cheaper than ACA plans.