Off-Exchange Health
Insurance Plans

Search and compare health insurance plans available in your area. These plans are available off-exchange and may not be eligible for an Obamacare subsidy tax credit.

Off-Exchange Health Insurance Plans

Add family members who need health insurance:

Would you like to check if you can get a subsidy (tax credit) to reduce the cost of plans?

Enter your tax information to check for a subsidy

Including yourself, spouse, dependents, etc


Use your adjusted gross income for a good estimate (line 37 on Form 1040).


Call for Sign Up Help

(888) 323-1644

TTY users 711

Mon-Fri: 8am - 9pm ET
Sat: 10am - 7pm ET

Speak with a licensed insurance agent to compare options and find the best health coverage for you!

When Can I Enroll in Off-Exchange Plans?

Open Enrollment is November 1st - December 15th

During this time anyone can sign up for a new plan or change their plan. Plan coverage will begin January 1st.


To sign up for a plan outside of the Open Enrollment period, you or your family must qualify for a Special Enrollment period by having a qualifying life event, such as:

  • Got married
  • Had a baby or adopted a child
  • Got divorced or legally separated and lost health insurance
  • Death in family
  • Moved to a different permanent address
  • Change in income
  • Gained U.S. citizenship or legal residence status
  • Released from incarceration
  • Lost job-based coverage
  • Lost COBRA coverage
  • Lost eligibility for Medicaid or CHIP
  • Lost eligibility for Medicare
  • Lost coverage through a family member
  • Lost other individual health coverage
Savings Tip

Save on healthcare costs with a Health Savings Account (HSA)

Certain health insurance plans are eligible for a Health Savings Account (HSA), which you can use to pay for medical expenses with tax-free dollars. Health Plan Radar shows you which plans are eligible for an HSA.

Get Help Signing Up for Off-Exchange Health Plans

Licensed insurance agents can help you understand your options and enroll in the best plan for you. Help is free!

Call Now

(888) 323-1644