"Here’s the deal, Maya," Sarah said. "Because you don’t qualify for subsidies, buying off-exchange might actually give you ."
She made a decent living—enough that she didn't qualify for the premium tax credits or subsidies that make Marketplace plans so attractive to others. To her, the exchange felt like a crowded room where she was paying full price for a seat that didn't even give her access to her longtime specialist.
The broker, Sarah, explained the world of . These were policies bought directly from private insurers like UnitedHealthcare or through independent agencies.
: Even though it wasn't on the government site, the plan still met all ACA standards , covering essential benefits and pre-existing conditions.