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
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 buy health insurance outside marketplace
: You cannot use premium tax credits or cost-sharing reductions for off-exchange plans. These are not traditional insurance but rather groups
: Brokers can compare multiple private plans and help you understand the fine print at no extra cost to you. They offer the same "essential health benefits" as
These are temporary plans designed to bridge gaps in coverage. : Generally much cheaper than ACA plans.
: Visit the websites of major carriers (like UnitedHealthcare, Aetna, or Blue Cross Blue Shield) to view their direct-to-consumer options.