Plans by Health Insurance Company
Obamacare and Off-Exchange Health Insurance Plans
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AmeriHealth Ins Company of New Jersey
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Anthem Blue Cross
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Anthem Blue Cross and Blue Shield
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Anthem Health Plans of KY(Anthem BCBS)
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Anthem Health Plans of ME(Anthem BCBS)
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Anthem Ins Companies Inc(Anthem BCBS)
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Arise Health Plan
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Aspirus Arise Health Plan of Wisconsin, Inc.
B
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Blue Care Network of Michigan
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Blue Cross & Blue Shield of Rhode Island
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Blue Cross Blue Shield Healthcare Plan of Georgia, Inc.
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Blue Cross Blue Shield of Illinois
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Blue Cross Blue Shield of Michigan Mutual Insurance Company
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Blue Cross Blue Shield of New Mexico
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Blue Cross Blue Shield of North Dakota
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Blue Cross Blue Shield of Oklahoma
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Blue Cross Blue Shield of Texas
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Blue Cross Blue Shield of Wyoming
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Blue Cross and Blue Shield of Alabama
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Blue Cross and Blue Shield of Arizona, Inc.
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Blue Cross and Blue Shield of Florida
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Blue Cross and Blue Shield of Kansas, Inc.
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Blue Cross and Blue Shield of Montana
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Blue Cross and Blue Shield of NC
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Blue Cross and Blue Shield of South Carolina
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Blue Cross of Idaho
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Blue Cross of Northeastern Pennsylvania
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BlueCross BlueShield of Tennessee
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BlueCross BlueShield of Western New York
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BlueShield of Northeastern New York
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BridgeSpan Health Company
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Bright Health Insurance Company
C
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Celtic Insurance Company
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Children's Community Health Plan
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Cigna Health and Life Insurance Company
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Cigna HealthCare of Illinois, Inc.
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Cigna HealthCare of North Carolina, Inc.
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Cigna Healthcare
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Common Ground Healthcare Cooperative
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Community Health Choice, Inc.
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CommunityCare of Oklahoma
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Compcare Health Serv Ins Co(Anthem BCBS)
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Cox Health Systems Insurance Company
D
E
F
G
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Geisinger Health Plan
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Group Health Cooperative of South Central Wisconsin
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Group Hospitalization and Medical Services Inc.
H
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HOMETOWN HEALTH PLAN, INC
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HOMETOWN HEALTH PROVIDERS INS. CO. INC.
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HPHC Insurance Company Inc.
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Harvard Pilgrim Health Care Inc.
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Harvard Pilgrim Health Care of NE
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Hawaii Medical Service Association
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Health Alliance Medical Plans, Inc.
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Health Alliance Northwest
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Health Alliance Plan (HAP)
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Health First Commercial Plans, Inc.
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Health Net of Arizona, Inc.
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Health Options, Inc.
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Health Plan of Nevada, Inc.
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HealthKeepers, Inc.
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HealthPartners Insurance Company
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HealthPartners, Inc.
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Healthfirst
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Healthfirst Insurance Company, Inc.
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Healthy Alliance Life Co(Anthem BCBS)
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Highmark BCBSD Inc.
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Highmark Blue Cross Blue Shield West Virginia
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Highmark Choice Company
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Highmark Health Insurance Company
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Highmark Inc.
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Independence Blue Cross (QCC Ins. Co.)
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Independent Health Benefits Corporation
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Insurance Company of Scott & White
K
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Kaiser Foundation Health Plan of Georgia
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Kaiser Foundation Health Plan of Washington
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Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc.
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Kaiser Foundation Health Plan, Inc.
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Kaiser Foundation Healthplan of the NW
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Kaiser Permanente
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Keystone Health Plan Central, A Capital BlueCross Company
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Keystone Health Plan East, Inc
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M
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MVP Health Care
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Maine Community Health Options
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Matthew Thornton Hlth Plan(Anthem BCBS)
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McLaren Health Plan Community
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Medica Health Plans of Wisconsin
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Medica Insurance Company
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Medical Health Insuring Corp. of Ohio
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MercyCare HMO, Inc.
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Meridian Health Plan of Michigan, Inc.
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Moda Health Plan, Inc.
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Molina Healthcare of Florida, Inc
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Molina Healthcare of Michigan, Inc.
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Molina Healthcare of New Mexico, Inc.
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Molina Healthcare of Ohio, Inc.
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Molina Healthcare of Texas, Inc.
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Montana Health Cooperative
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O
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Optima Health Plan
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Oscar Garden State Insurance Corporation
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Oscar Insurance Company of Texas
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Oscar Insurance Corporation of Ohio
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PacificSource Health Plans
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Paramount Insurance Company
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Physicians Health Plan
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Piedmont Community HealthCare HMO, Inc.
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PreferredOne Insurance Company
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Premera Blue Cross Blue Shield of Alaska
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Priority Health
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Providence Health Plan
Q
R
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Regence Blue Shield of Idaho
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Regence BlueCross BlueShield Of Oregon
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Regence BlueCross BlueShield of Utah
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Regence BlueShield
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SHA, LLC DBA FirstCare Health Plans
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Sanford Health Plan
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Scott and White Health Plan
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Security Health Plan of Wisconsin, Inc.
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V
W
Obamacare Plans Help
Our partner HealthSherpa can help you understand your options, check for a subsidy, and sign up. Help is free!
or call
(888) 323-1644
Press 1 to speak with a licensed agent
Off-Exchange Plans Help
Our partner eHealth can help you understand your options and sign up. Help is free!
or call
(888) 323-1644
Press 2 to speak with a licensed agent
Learn More About Obamacare and Off-Exchange Plans
What are Obamacare Health Insurance Plans?
Obamacare health insurance plans are plans which are eligible for reduced costs with a subsidy tax credit. Obamacare plans are only offered through the government exchange marketplace healthcare.gov or some States have their own exchange marketplace website. Although plans are only offered through the exchange marketplaces, the government allows certified brokers, agents, and web brokers to help you enroll in an Obamacare plan and apply for a subsidy.
What are Off-Exchange Health Insurance Plans?
Off-Exchange health insurance plans are plans which are available outside of the government exchange marketplaces. Off-Exchange plans existed before Obamacare. For example, if someone did not have access to a health insurance plan through work, they may have purchased an Off-Exchange plan offered on the Individual Market.
You can enroll in an Off-Exchange plan through a broker, agent, web broker, or by contacting the insurance company directly.
What’s the difference between Obamacare plans and Off-Exchange plans?
The main difference between Obamacare plans and Off-Exchange plans is that only Obamacare plans are eligible for a subsidy tax credit to reduce costs.
Otherwise there are not many other differences between Obamacare plans and Off-Exchange plans. Plan design, coverage, and rates are similar and both sets of plans must adhere to government regulations. In fact, there are many plans which are available as both Obamacare plans and as Off-Exchange plans.
Can a plan be both an Obamacare and Off-Exchange plan?
Yes, a plan can be available as both an Obamacare and an Off-Exchange plan.
On the other hand, some plans are only offered as Obamacare plans while other plans are only offered as Off-Exchange plans.
Do plans which are both Obamacare and Off-Exchange plans cost the same price?
Yes, by law a plan which is offered as both an Obamacare plan and an Off-Exchange plan must be sold at the same price. In addition, broker, agents, and web brokers are required to sell plans at the same market price. However, keep in mind that only Obamacare plans are eligible for a subsidy to reduce the monthly premium price.
Who is eligible for Obamacare and Off-Exchange plans?
Technically everyone is eligible for Obamacare plans and Off-Exchange plans. The real question is - who is eligible for a subsidy tax credit? - which can only be used to reduce the costs of Obamacare plans. Note that even if you are not eligible for a subsidy tax credit, you are still allowed to purchase an Obamacare plan at the full price.
What is the Obamacare Subsidy (Tax Credit)?
The Obamacare subsidy is really a tax credit, and it is formally known as the Advanced Premium Tax Credit (APTC). Typically people receive a tax credit at the end of the year when filing taxes, but this tax credit can be received “in advance”, during the year, to reduce the monthly premium costs of an Obamacare health insurance plan.
You must complete an official government application to learn your subsidy amount. Everyone’s amount will be different. The calculation for the subsidy amount can be quite complicated. It is based on several different factors, but household income is the main factor. We recommend using our tool to estimate your subsidy amount.
Search Obamacare plans and estimate subsidy amount
Who is eligible to receive an Obamacare Subsidy (Tax Credit)
To be eligible for a subsidy to reduce the monthly premium costs of Obamacare plans, you must meet the following requirements.
- Income requirements based on household size and household income. As examples, earn less than $48,240 for an individual and less than $98,400 for a family of four
- Not eligible for other government sponsored insurance, such as Medicare or Medicaid
- Do not have access to a health insurance plan from your employer which meet government coverage and affordability requirements
- File taxes or be claimed as a spouse or dependent on taxes. Married couples are required to file taxes jointly.
- Not be incarcerated
- Be legally present in the United States
Why should I consider Off-Exchange plans?
Off-Exchange plans may provide you with additional options compared to available Obamacare plans. If you are not eligible for a subsidy, or only eligible for a small subsidy amount, Off-Exchange plans may still be an affordable option for you.
A second reason for considering Off-Exchange plans is that your favorite doctor may only accept a plan which is available as an Off-Exchange plan. We recommend researching provider networks when considering health insurance plans. We provide links to official provider directories, or doctor lookups, on Health Plan Radar.
In addition, some health insurance companies have been leaving the Obamacare plan market, but they may still offer Off-Exchange plans. Your preferred insurance company may still offer plans on the Off-Exchange market.
How do I choose an Obamacare plan or Off-Exchange plan which is best for me and my family?
There are several health insurance concepts you should understand before choosing a plan that’s best for you, including premium price, out-of-pocket costs, deductibles, and plan metal levels. Visit our choosing a plan FAQ page to learn more.
FAQs - Choosing an Obamacare or Off-Exchange Health Insurance Plan