While the HealthCare.gov Marketplace is the go-to for many, it isn't the only way to secure coverage. Whether you’re looking for a wider network of doctors, missed an enrollment deadline, or simply don’t qualify for government subsidies, "off-exchange" plans offer a viable alternative.
You cannot use federal premium tax credits or cost-sharing subsidies on these plans. buying health care outside marketplace
Can I buy health insurance outside of the Marketplace ... - KFF While the HealthCare