Plan Name On or Off Exchange Plan eligible for subsidy? Metal Level Deductible (individual/family) Out-of-pocket Max (individual/family)
Health First GYM ACCESS Bronze HMO 100 HSA 1658
by Health First Commercial Plans, Inc.
Obamacare bronze $6,350 / $12,700 $6,350 / $12,700 Price & Details
Health First GYM ACCESS Bronze HMO 70 HSA 1662
by Health First Commercial Plans, Inc.
Obamacare bronze $5,150 / $10,300 $6,500 / $13,000 Price & Details
Health First GYM ACCESS Bronze POS 100 HSA 1659
by Health First Commercial Plans, Inc.
Obamacare bronze $6,350 / $12,700 $6,350 / $12,700 Price & Details
Health First GYM ACCESS Bronze HMO 50 1796
by Health First Commercial Plans, Inc.
Obamacare bronze $6,900 / $13,800 $7,150 / $14,300 Price & Details
Health First Bronze HMO 100 1774
by Health First Commercial Plans, Inc.
Obamacare bronze $7,350 / $14,700 $7,350 / $14,700 Price & Details
Health First Bronze POS 100 1775
by Health First Commercial Plans, Inc.
Obamacare bronze $7,350 / $14,700 $7,350 / $14,700 Price & Details
Florida Hospital GYM ACCESS Bronze HMO 70 HSA 1663
by Health First Commercial Plans, Inc.
Obamacare bronze $5,150 / $10,300 $6,500 / $13,000 Price & Details
Florida Hospital GYM ACCESS Bronze HMO 50 1797
by Health First Commercial Plans, Inc.
Obamacare bronze $6,900 / $13,800 $7,150 / $14,300 Price & Details
Florida Hospital GYM ACCESS Bronze HMO 100 HSA 1660
by Health First Commercial Plans, Inc.
Obamacare bronze $6,350 / $12,700 $6,350 / $12,700 Price & Details
Florida Hospital Bronze HMO 100 1776
by Health First Commercial Plans, Inc.
Obamacare bronze $7,350 / $14,700 $7,350 / $14,700 Price & Details
Florida Hospital GYM ACCESS Bronze POS 100 HSA 1661
by Health First Commercial Plans, Inc.
Obamacare bronze $6,350 / $12,700 $6,350 / $12,700 Price & Details
Florida Hospital Bronze POS 100 1777
by Health First Commercial Plans, Inc.
Obamacare bronze $7,350 / $14,700 $7,350 / $14,700 Price & Details
Florida Hospital Bronze HMO 60 1752
by Health First Commercial Plans, Inc.
Obamacare bronze $6,650 / $13,300 $7,350 / $14,700 Price & Details
Health First Bronze POS 60 1751
by Health First Commercial Plans, Inc.
Obamacare bronze $6,650 / $13,300 $7,350 / $14,700 Price & Details
Florida Hospital GYM ACCESS Bronze HMO 70 1657
by Health First Commercial Plans, Inc.
Obamacare bronze $6,550 / $13,100 $7,350 / $14,700 Price & Details
Florida Hospital Bronze POS 60 1753
by Health First Commercial Plans, Inc.
Obamacare bronze $6,650 / $13,300 $7,350 / $14,700 Price & Details
Health First Bronze HMO 60 1750
by Health First Commercial Plans, Inc.
Obamacare bronze $6,650 / $13,300 $7,350 / $14,700 Price & Details
Health First Bronze HMO 100 HSA 1794
by Health First Commercial Plans, Inc.
Obamacare bronze $6,000 / $12,000 $6,000 / $12,000 Price & Details
Florida Hospital Bronze HMO 100 HSA 1795
by Health First Commercial Plans, Inc.
Obamacare bronze $6,000 / $12,000 $6,000 / $12,000 Price & Details
Health First GYM ACCESS Bronze HMO 70 1656
by Health First Commercial Plans, Inc.
Obamacare bronze $6,550 / $13,100 $7,350 / $14,700 Price & Details
Health First Silver HMO 90 1798
by Health First Commercial Plans, Inc.
Obamacare silver $5,250 / $10,500 $7,350 / $14,700 Price & Details
Health First GYM ACCESS Silver HMO 70 1704
by Health First Commercial Plans, Inc.
Obamacare silver $3,500 / $7,000 $6,350 / $12,700 Price & Details
Health First GYM ACCESS Silver HMO 90 1680
by Health First Commercial Plans, Inc.
Obamacare silver $4,250 / $8,500 $7,350 / $14,700 Price & Details
Health First GYM ACCESS Silver HMO 80 1688
by Health First Commercial Plans, Inc.
Obamacare silver $3,100 / $6,200 $6,050 / $12,100 Price & Details
Health First GYM ACCESS Silver HMO 100 1664
by Health First Commercial Plans, Inc.
Obamacare silver $5,000 / $10,000 $7,350 / $14,700 Price & Details
Health First GYM ACCESS Silver HMO 100 1672
by Health First Commercial Plans, Inc.
Obamacare silver $4,000 / $8,000 $4,750 / $9,500 Price & Details
Health First GYM ACCESS Silver HMO 80 HSA 1728
by Health First Commercial Plans, Inc.
Obamacare silver $2,500 / $5,000 $6,500 / $13,000 Price & Details
Health First GYM ACCESS Silver HMO 70 1720
by Health First Commercial Plans, Inc.
Obamacare silver $2,000 / $4,000 $6,000 / $12,000 Price & Details
Health First Silver HMO 80 1754
by Health First Commercial Plans, Inc.
Obamacare silver $3,500 / $7,000 $7,350 / $14,700 Price & Details
Health First Silver HMO 80 1778
by Health First Commercial Plans, Inc.
Obamacare silver $2,900 / $5,800 $7,150 / $14,300 Price & Details
Health First GYM ACCESS Silver POS 80 1692
by Health First Commercial Plans, Inc.
Obamacare silver $3,100 / $6,200 $6,050 / $12,100 Price & Details
Health First GYM ACCESS Silver POS 70 1708
by Health First Commercial Plans, Inc.
Obamacare silver $3,500 / $7,000 $6,350 / $12,700 Price & Details
Health First Silver HMO 65 1806
by Health First Commercial Plans, Inc.
Obamacare silver $1,550 / $3,100 $7,350 / $14,700 Price & Details
Health First Silver POS 80 1758
by Health First Commercial Plans, Inc.
Obamacare silver $3,500 / $7,000 $7,350 / $14,700 Price & Details
Health First Silver POS 80 1782
by Health First Commercial Plans, Inc.
Obamacare silver $2,900 / $5,800 $7,150 / $14,300 Price & Details
Florida Hospital Silver POS 80 1766
by Health First Commercial Plans, Inc.
Obamacare silver $3,500 / $7,000 $7,350 / $14,700 Price & Details
Florida Hospital GYM ACCESS Silver HMO 100 1668
by Health First Commercial Plans, Inc.
Obamacare silver $5,000 / $10,000 $7,350 / $14,700 Price & Details
Florida Hospital GYM ACCESS Silver HMO 90 1684
by Health First Commercial Plans, Inc.
Obamacare silver $4,250 / $8,500 $7,350 / $14,700 Price & Details
Florida Hospital GYM ACCESS Silver HMO 100 1676
by Health First Commercial Plans, Inc.
Obamacare silver $4,000 / $8,000 $4,750 / $9,500 Price & Details
Florida Hospital GYM ACCESS Silver HMO 80 1696
by Health First Commercial Plans, Inc.
Obamacare silver $3,100 / $6,200 $6,050 / $12,100 Price & Details
Florida Hospital GYM ACCESS Silver HMO 70 1712
by Health First Commercial Plans, Inc.
Obamacare silver $3,500 / $7,000 $6,350 / $12,700 Price & Details
Florida Hospital GYM ACCESS Silver POS 80 1700
by Health First Commercial Plans, Inc.
Obamacare silver $3,100 / $6,200 $6,050 / $12,100 Price & Details
Florida Hospital GYM ACCESS Silver HMO 70 1724
by Health First Commercial Plans, Inc.
Obamacare silver $2,000 / $4,000 $6,000 / $12,000 Price & Details
Florida Hospital GYM ACCESS Silver HMO 80 HSA 1732
by Health First Commercial Plans, Inc.
Obamacare silver $2,500 / $5,000 $6,500 / $13,000 Price & Details
Florida Hospital Silver HMO 80 1762
by Health First Commercial Plans, Inc.
Obamacare silver $3,500 / $7,000 $7,350 / $14,700 Price & Details
Florida Hospital Silver HMO 80 1786
by Health First Commercial Plans, Inc.
Obamacare silver $2,900 / $5,800 $7,150 / $14,300 Price & Details
Florida Hospital GYM ACCESS Silver POS 70 1716
by Health First Commercial Plans, Inc.
Obamacare silver $3,500 / $7,000 $6,350 / $12,700 Price & Details
Florida Hospital Silver HMO 90 1802
by Health First Commercial Plans, Inc.
Obamacare silver $5,250 / $10,500 $7,350 / $14,700 Price & Details
Florida Hospital Silver HMO 65 1810
by Health First Commercial Plans, Inc.
Obamacare silver $1,550 / $3,100 $7,350 / $14,700 Price & Details
Florida Hospital Silver POS 80 1790
by Health First Commercial Plans, Inc.
Obamacare silver $2,900 / $5,800 $7,150 / $14,300 Price & Details
Health First GYM ACCESS Gold HMO 70 1742
by Health First Commercial Plans, Inc.
Obamacare gold $1,500 / $3,000 $3,500 / $7,000 Price & Details
Health First GYM ACCESS Gold POS 100 1737
by Health First Commercial Plans, Inc.
Obamacare gold $2,500 / $5,000 $2,800 / $5,600 Price & Details
Health First GYM ACCESS Gold HMO 90 HSA 1744
by Health First Commercial Plans, Inc.
Obamacare gold $1,500 / $3,000 $3,000 / $6,000 Price & Details
Health First Gold HMO 80 1770
by Health First Commercial Plans, Inc.
Obamacare gold $1,400 / $2,800 $5,000 / $10,000 Price & Details
Health First GYM ACCESS Gold HMO 80 1740
by Health First Commercial Plans, Inc.
Obamacare gold $2,000 / $4,000 $4,000 / $8,000 Price & Details
Health First GYM ACCESS Gold HMO 100 1736
by Health First Commercial Plans, Inc.
Obamacare gold $2,500 / $5,000 $2,800 / $5,600 Price & Details
Health First Gold POS 80 1771
by Health First Commercial Plans, Inc.
Obamacare gold $1,400 / $2,800 $5,000 / $10,000 Price & Details
Florida Hospital GYM ACCESS Gold HMO 70 1743
by Health First Commercial Plans, Inc.
Obamacare gold $1,500 / $3,000 $3,500 / $7,000 Price & Details
Florida Hospital GYM ACCESS Gold HMO 100 1738
by Health First Commercial Plans, Inc.
Obamacare gold $2,500 / $5,000 $2,800 / $5,600 Price & Details
Florida Hospital Gold POS 80 1773
by Health First Commercial Plans, Inc.
Obamacare gold $1,400 / $2,800 $5,000 / $10,000 Price & Details
Florida Hospital GYM ACCESS Gold HMO 80 1741
by Health First Commercial Plans, Inc.
Obamacare gold $2,000 / $4,000 $4,000 / $8,000 Price & Details
Florida Hospital Gold HMO 80 1772
by Health First Commercial Plans, Inc.
Obamacare gold $1,400 / $2,800 $5,000 / $10,000 Price & Details
Florida Hospital GYM ACCESS Gold HMO 90 HSA 1745
by Health First Commercial Plans, Inc.
Obamacare gold $1,500 / $3,000 $3,000 / $6,000 Price & Details
Florida Hospital GYM ACCESS Gold POS 100 1739
by Health First Commercial Plans, Inc.
Obamacare gold $2,500 / $5,000 $2,800 / $5,600 Price & Details
Health First GYM ACCESS Catastrophic POS 1747
by Health First Commercial Plans, Inc.
Obamacare catastrophic $7,350 / $14,700 $7,350 / $14,700 Price & Details
Health First GYM ACCESS Catastrophic HMO 1746
by Health First Commercial Plans, Inc.
Obamacare catastrophic $7,350 / $14,700 $7,350 / $14,700 Price & Details
Florida Hospital GYM ACCESS Catastrophic HMO 1748
by Health First Commercial Plans, Inc.
Obamacare catastrophic $7,350 / $14,700 $7,350 / $14,700 Price & Details
Florida Hospital GYM ACCESS Catastrophic POS 1749
by Health First Commercial Plans, Inc.
Obamacare catastrophic $7,350 / $14,700 $7,350 / $14,700 Price & Details

 

 

 

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.

 

Search Off-Exchange plans

 

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