Plans by Health Insurance Company
Obamacare and Off-Exchange Health Insurance Plans
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Aetna Life Insurance Company
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Alliant Health Plans
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Ambetter from Louisiana Healthcare Connections
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Ambetter from Nebraska Total Care
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Ambetter from Sunflower Health Plan
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Ambetter from Sunshine Health
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Ambetter from Superior Healthplan
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Ambetter of Alabama
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Ambetter of Magnolia Inc.
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Ambetter of North Carolina Inc.
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Ambetter of Oklahoma
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Ambetter of Peach State Inc.
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Aspirus Arise Health Plan of Wisconsin, Inc.
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Asuris Northwest Health
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AultCare Insurance Company
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AvMed Health Plans
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Banner Health and Aetna Health Plan Inc.
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Blue Care Network of Michigan
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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 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 Vermont
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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 City
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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 Nebraska
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Blue Cross and Blue Shield of South Carolina
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Blue Plus
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BlueChoice HealthPlan
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BlueCross BlueShield of Tennessee
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BridgeSpan Health Company
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Buckeye Community Health Plan
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 Georgia, Inc.
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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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Cigna Healthcare of South Carolina
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Common Ground Healthcare Cooperative
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Community First
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Community Health Choice, Inc.
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Community Health Options
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F
G
H
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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 Advantage
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Health Alliance Medical Plans, Inc.
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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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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 Blue Cross Blue Shield of Western New York
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Imperial Insurance Companies, Inc.
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Independence Blue Cross
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Independent Health Benefits Corporation
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Innovation Health Plan, Inc.
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Kaiser Foundation Health Plan of Georgia
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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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MOLINA HEALTHCARE OF SOUTH CAROLINA, INC
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MVP Health Care
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Matthew Thornton Hlth Plan(Anthem BCBS)
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McLaren Health Plan Community
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Medical Health Insuring Corp. of Ohio
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MercyCare HMO, Inc.
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MercyCare Health Plans
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Meridian Health Plan of Michigan, 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 Mississippi, Inc
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Molina Healthcare of Ohio, Inc.
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Molina Healthcare of Texas, Inc.
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Molina Healthcare of Utah
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Molina Healthcare of Wisconsin, Inc.
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Montana Health Cooperative
N
O
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Optima Health Plan
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Oscar Buckeye State Insurance Corp.
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Oscar Garden State Insurance Corporation
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Oscar Health Plan of California
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Oscar Health Plan of Georgia
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Oscar Health Plan of North Carolina, Inc
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Oscar Health Plan of Pennsylvania, Inc.
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Oscar Health Plan, Inc.
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Oscar Insurance Company
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Oscar Insurance Company of Florida
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Oscar Insurance Company of Texas
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Oscar Insurance Corporation
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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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QCA Health Plan, Inc.
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QualChoice Life & Health Insurance Company, Inc.
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Quartz
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Quartz Health Benefit Plans Corporation
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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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Rocky Mountain HMO
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Rocky Mountain Hospital and Medical Service, Inc., dba Anthem Blue Cross and Blue Shield
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SHA, LLC DBA FirstCare Health Plans
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SSM Health Insurance Company
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Sanford Health Plan
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Scott and White Health Plan
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U
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US Health and Life
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USAble Mutual Insurance Company
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UnitedHealthcare
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UnitedHealthcare of New England Inc.
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UnitedHealthcare of New York, Inc.
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UnitedHealthcare of Oregon, Inc.
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Unity Health Plans Insurance Corporation
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University of Utah Health Insurance Plans
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W
Health Insurance Plans
Obamacare Plans
Off-Exchange Plans
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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 federal government exchange marketplace healthcare.gov or some States have their own exchange marketplace website. Although plans are only offered through the exchange marketplaces, the federal 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 federal 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 federal 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 federal 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 federal government sponsored insurance, such as Medicare or Medicaid
- Do not have access to a health insurance plan from your employer which meet federal 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