Outside Marketplace - Buy Health Insurance

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

: You cannot use premium tax credits or cost-sharing reductions for off-exchange plans.

: If you don't qualify for subsidies (premium tax credits), the off-exchange application is usually shorter and simpler. Types of Off-Exchange Plans 1. ACA-Compliant Plans

: Some trade groups or unions offer private group insurance to their members. Key Considerations

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

: You cannot use premium tax credits or cost-sharing reductions for off-exchange plans.

: If you don't qualify for subsidies (premium tax credits), the off-exchange application is usually shorter and simpler. Types of Off-Exchange Plans 1. ACA-Compliant Plans

: Some trade groups or unions offer private group insurance to their members. Key Considerations