Health Plans Just Right For You.
If you're not eligible for lower costs on a health plan because your income is too high, you can still buy health coverage through the Health Insurance Marketplace. ... You can also get insurance other ways — through a private insurance company, an online insurance seller, or an agent or broker.
Health Insurance Marketplace. A service that helps people shop for and enroll in affordable health insurance. The federal government operates the Marketplace, available at HealthCare.gov, for most states. Coverage through the Medicaid and Children's Health Insurance Program (CHIP) in your state.
The only way you can enroll in a health plan through the Marketplace outside Open Enrollment is if you qualify for a Special Enrollment Period. ... If you buy a plan outside the Marketplace any time, during Open Enrollment or not, you can't get premium tax credits or other savings based on your income.
You can change health plans now only if you experience a qualifying life event — like losing other coverage, having a baby, or getting married — that makes you eligible for a Special Enrollment Period. Answer a few fast questions. ... If you do, you can change your health plan.
Is Coverage Cheaper Through the Marketplace? There is no guarantee that you will find cheaper health care plans through the ACA marketplace than other places you can shop, such as directly through insurers' websites.
HMO Versus PPO: Plan Comparison. HMOs tend to be more affordable, but you'll usually get less coverage and more restrictions. PPOs are more flexible and provide greater coverage, but come with a higher price tag and probably a deductible
Health Insurance Marketplace. A service that helps people shop for and enroll in affordable health insurance. ... The Health Insurance Marketplace (also known as the “Marketplace” or “exchange”) provides health plan shopping and enrollment services through websites, call centers, and in-person help.