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Independent Health Insurance BrokerMcKinney, TX
YES! Typically private health insurance options offer PPO plans and the Marketplace is usually HMO plans. It's important to work with a trusted broker so you can see ALL of your options.
Real answers for your healthcare questions
Can I buy health insurance outside the Marketplace?
Answer
Yes. You can buy certain individual health plans directly from an insurance company, broker, or other private source. However, premium tax credits and Marketplace cost sharing reductions are generally available only through the official Marketplace.
What to Know
An off Marketplace ACA compliant plan may offer similar consumer protections to Marketplace coverage, but other products sold privately may not be comprehensive ACA coverage. Short term plans, fixed indemnity coverage, or health sharing arrangements can have very different rules and limitations.
What to Do Next
Before buying outside the Marketplace, confirm whether the plan is ACA compliant and whether you could qualify for Marketplace financial assistance. Read exclusions, benefit limits, network rules, and prescription coverage carefully.
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