Search & Compare Off-Exchange Health Insurance Plans

View plans and prices available in your area.
These plans are offered outside of the federal government exchange marketplaces and may not be eligible for a subsidy.

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).


When Can I Enroll in Off-Exchange Plans?

Open Enrollment is November 1, 2018 - December 15, 2018

During this time anyone can sign up for a new plan or change their plan. Plan coverage will begin January 1, 2019.


Some States have extended Open Enrollment dates:

October 15, 2018 - January 15, 2019
November 1, 2018 - January 15, 2019
November 1, 2018 - January 23, 2019
November 1, 2018 - January 13, 2019
New York
November 1, 2018 - January 31, 2019
Rhode Island
November 1, 2018 - December 31, 2018
Washington DC
November 1, 2018 - January 15, 2019


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 with Off-Exchange Plans

Our partner Independent Agents can help you understand your options and enroll. Help is free!