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Plan Name On or Off Exchange Plan eligible for subsidy? Metal Level Deductible (individual/family) Out-of-pocket Max (individual/family)
myBlue Bronze 2219 ($0 Virtual Visits / Rewards $$$) by Health Options, Inc. Both Bronze $1,650 / $3,300 $9,450 / $18,900 Price & Details
myBlue Bronze 2329 ($0 Virtual Visits / Multilingual Available / Rewards $$$) by Health Options, Inc. Both Bronze $0 / $0 $9,450 / $18,900 Price & Details
BlueCare Bronze 24K01-03 ($0 Virtual Visits / 3 PCP Visits for $0 then $40 / Rewards $$$) by Health Options, Inc. Both Bronze $6,500 / $13,000 $9,450 / $18,900 Price & Details
BlueCare Bronze 24K01-31S (Multilingual Available / Rewards $$$) by Health Options, Inc. Both Bronze $7,500 / $15,000 $9,400 / $18,800 Price & Details
BlueCare Bronze 24K01-25 ($0 Virtual Visits / $50 PCP Visit / $30 Generic Meds / Rewards $$$) by Health Options, Inc. Both Bronze $0 / $0 $9,450 / $18,900 Price & Details
BlueCare Bronze 24K02-17 ($0 Virtual Visits / 3 PCP Visits for $0 then $40 / Rewards $$$) by Health Options, Inc. Both Bronze $6,500 / $13,000 $9,450 / $18,900 Price & Details
BlueCare Bronze 24K02-23 ($0 Virtual Visits / $50 PCP Visit / $30 Generic Meds / Rewards $$$) by Health Options, Inc. Both Bronze $0 / $0 $9,450 / $18,900 Price & Details
myBlue Bronze 2349 ($0 Virtual Visits / Multilingual Available /Rewards $$$) by Health Options, Inc. Both Bronze $0 / $0 $9,450 / $18,900 Price & Details
myBlue Bronze 2149 ($0 Virtual Visits / $35 PCP Visits / $75 Specialist Visits / $30 Generic Meds / Rewards $$$) by Health Options, Inc. Both Bronze $0 / $0 $9,450 / $18,900 Price & Details
myBlue Bronze 2286 ($0 Virtual Visits / Rewards $$$) by Health Options, Inc. Both Bronze $1,700 / $3,400 $9,450 / $18,900 Price & Details
myBlue Bronze 2312S (Multilingual Available / Rewards $$$) by Health Options, Inc. Both Bronze $7,500 / $15,000 $9,400 / $18,800 Price & Details
BlueCare Bronze 24K01-05 ($0 Virtual Visits / Rewards $$$) by Health Options, Inc. Both Bronze $6,150 / $12,300 $9,450 / $18,900 Price & Details
myBlue Bronze 1601 ($0 Virtual Visits / 3 PCP Visits for $0 then $45 / Rewards $$$) by Health Options, Inc. Both Bronze $6,000 / $12,000 $9,450 / $18,900 Price & Details
BlueCare Bronze (HSA) 24K01-09 (Rewards $$$ / $4 Condition Care Rx) by Health Options, Inc. Both Bronze $7,050 / $14,100 $7,050 / $14,100 Price & Details
myBlue Bronze 2129 ($0 Virtual Visits / $35 PCP Visit / $75 Specialist Visits / $30 Generic Meds / Rewards $$$) by Health Options, Inc. Both Bronze $0 / $0 $9,450 / $18,900 Price & Details
BlueCare Bronze 24K02-26S (Multilingual Available / Rewards $$$) by Health Options, Inc. Both Bronze $7,500 / $15,000 $9,400 / $18,800 Price & Details
myBlue Bronze 2013 ($0 Virtual Visits / 3 PCP Visits for $0 then $30 / Rewards $$$) by Health Options, Inc. Both Bronze $6,000 / $12,000 $9,450 / $18,900 Price & Details
BlueCare Bronze 24K02-18 ($0 Virtual Visits / Rewards $$$) by Health Options, Inc. Both Bronze $6,150 / $12,300 $9,450 / $18,900 Price & Details
myBlue Bronze 2322S (Multilingual Available / Rewards $$$) by Health Options, Inc. Both Bronze $7,500 / $15,000 $9,400 / $18,800 Price & Details
myBlue Silver 2237 ($0 Virtual Visits / $60 PCP Visits / Rewards $$$) by Health Options, Inc. Both Silver $4,100 / $8,200 $9,450 / $18,900 Price & Details
myBlue Silver 2017 ($0 Virtual Visits / Rewards $$$) by Health Options, Inc. Both Silver $6,000 / $12,000 $7,500 / $15,000 Price & Details
myBlue Silver 2313S ($40 PCP Visits / Multilingual Available / Rewards $$$) by Health Options, Inc. Both Silver $5,900 / $11,800 $9,100 / $18,200 Price & Details
myBlue Silver 24M06-50 ($0 Virtual Visits / Rewards $$$) by Health Options, Inc. Both Silver $5,500 / $11,000 $7,500 / $15,000 Price & Details
myBlue Silver 2237D ($0 Virtual Visits / $60 PCP Visits / Adult Dental / Rewards $$$) by Health Options, Inc. Both Silver $4,100 / $8,200 $9,450 / $18,900 Price & Details
BlueCare Silver 24K01-02 ($0 Virtual Visits / Rewards $$$) by Health Options, Inc. Both Silver $6,000 / $12,000 $8,000 / $16,000 Price & Details
BlueCare Silver 24K01-06 ($0 Virtual Visits / Rewards $$$) by Health Options, Inc. Both Silver $2,800 / $5,600 $7,150 / $14,300 Price & Details
BlueCare Silver 24K01-32S ($40 PCP Visits / Multilingual Available / Rewards $$$) by Health Options, Inc. Both Silver $5,900 / $11,800 $9,100 / $18,200 Price & Details
myBlue Connected Care Silver 2332D ($0 Virtual Visits / $0 Primary Care Visits with Select Providers / Adult Dental / Rewards $$$) by Health Options, Inc. Both Silver $4,000 / $8,000 $8,000 / $16,000 Price & Details
BlueCare Silver 24K02-21 ($0 Virtual Visits / Rewards $$$) by Health Options, Inc. Both Silver $6,000 / $12,000 $8,000 / $16,000 Price & Details
BlueCare Silver 24K02-27S ($40 PCP Visits / Multilingual Available / Rewards $$$) by Health Options, Inc. Both Silver $5,900 / $11,800 $9,100 / $18,200 Price & Details
myBlue Silver 2204 ($0 Virtual Visits / Rewards $$$) by Health Options, Inc. Both Silver $4,750 / $9,500 $7,800 / $15,600 Price & Details
myBlue Silver 2323S ($40 PCP Visits / Multilingual Available / Rewards $$$) by Health Options, Inc. Both Silver $5,900 / $11,800 $9,100 / $18,200 Price & Details
myBlue Silver 24M02-78D ($0 Virtual Visits / Adult Dental / $10 Labs / Rewards $$$) by Health Options, Inc. Both Silver $7,600 / $15,200 $9,300 / $18,600 Price & Details
myBlue Silver 24M06-76D ($0 Virtual Visits / Adult Dental / $10 Labs / Rewards $$$) by Health Options, Inc. Both Silver $7,600 / $15,200 $9,200 / $18,400 Price & Details
myBlue Silver 24M06-76 ($0 Virtual Visits / $10 Labs / Rewards $$$) by Health Options, Inc. Both Silver $7,600 / $15,200 $9,200 / $18,400 Price & Details
myBlue Silver 2010 ($0 Virtual Visits / Rewards $$$) by Health Options, Inc. Both Silver $5,000 / $10,000 $7,700 / $15,400 Price & Details
myBlue Silver 24M02-78 ($0 Virtual Visits / $10 Labs / Rewards $$$) by Health Options, Inc. Both Silver $7,600 / $15,200 $9,300 / $18,600 Price & Details
myBlue Connected Care Silver 2332 ($0 Virtual Visits / $0 Primary Care Visits with Select Providers / 24x7 Provider Access / Rewards $$$) by Health Options, Inc. Both Silver $4,000 / $8,000 $8,000 / $16,000 Price & Details
myBlue Connected Care Silver 24M03-70 ($0 Virtual Visits / $0 Primary Care Visits with Select Providers / 24x7 Provider Access / Rewards $$$) by Health Options, Inc. Both Silver $7,600 / $15,200 $9,450 / $18,900 Price & Details
myBlue Connected Care Silver 24M03-70D ($0 Virtual Visits / $0 Primary Care Visits with Select Providers / Adult Dental / Rewards $$$) by Health Options, Inc. Both Silver $7,600 / $15,200 $9,450 / $18,900 Price & Details
myBlue Gold 1605 ($0 Virtual Visits / $0 Labs / Rewards $$$) by Health Options, Inc. Both Gold $940 / $1,880 $4,700 / $9,400 Price & Details
myBlue Gold 2314S ($30 PCP Visits / Multilingual Available / Rewards $$$) by Health Options, Inc. Both Gold $1,500 / $3,000 $8,700 / $17,400 Price & Details
myBlue Gold 24M05-74 ($0 Virtual Visits / Rewards $$$) by Health Options, Inc. Both Gold $0 / $0 $5,950 / $11,900 Price & Details
BlueCare Gold 24K01-10 ($0 Virtual Visits / $20 Labs / Rewards $$$) by Health Options, Inc. Both Gold $1,500 / $3,000 $5,900 / $11,800 Price & Details
BlueCare Gold 24K01-08 ($0 Virtual Visits / $20 PCP Visit / $15 Generic Meds / Rewards $$$) by Health Options, Inc. Both Gold $0 / $0 $6,250 / $12,500 Price & Details
BlueCare Gold 24K01-33S ($30 PCP Visit / Multilingual Available/ Rewards $$$) by Health Options, Inc. Both Gold $1,500 / $3,000 $8,700 / $17,400 Price & Details
BlueCare Gold 24K02-20 ($0 Virtual Visits / $20 PCP Visit / $15 Generic Meds / Rewards $$$) by Health Options, Inc. Both Gold $0 / $0 $6,250 / $12,500 Price & Details
BlueCare Gold 24K02-28S ($30 PCP Visits / Multilingual Available/ Rewards $$$) by Health Options, Inc. Both Gold $1,500 / $3,000 $8,700 / $17,400 Price & Details
myBlue Gold 2011 ($0 Virtual Visits / $0 Labs / Rewards $$$) by Health Options, Inc. Both Gold $940 / $1,880 $4,700 / $9,400 Price & Details
myBlue Gold 2016 ($0 Virtual Visits / Rewards $$$) by Health Options, Inc. Both Gold $0 / $0 $5,950 / $11,900 Price & Details
myBlue Gold 2325S ($30 PCP Visits / $60 Specialist Visits / Multilingual Available / Rewards $$$) by Health Options, Inc. Both Gold $1,500 / $3,000 $8,700 / $17,400 Price & Details
myBlue Platinum 24M05-75 ($0 Virtual Visits / Rewards $$$) by Health Options, Inc. Both Platinum $0 / $0 $2,000 / $4,000 Price & Details
myBlue Platinum 24M05-00S ($0 Deductible / $10 PCP Visits / Multilingual Available / Rewards $$$ ) by Health Options, Inc. Both Platinum $0 / $0 $3,200 / $6,400 Price & Details
BlueCare Platinum 24K01-04 ($0 Virtual Visits / Rewards $$$) by Health Options, Inc. Both Platinum $1,000 / $2,000 $4,000 / $8,000 Price & Details
BlueCare Platinum 24K01-07 ($0 Virtual Visits / Rewards $$$) by Health Options, Inc. Both Platinum $0 / $0 $2,000 / $4,000 Price & Details
BlueCare Platinum 24K01-34S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Multilingual Available / Rewards $$$) by Health Options, Inc. Both Platinum $0 / $0 $3,200 / $6,400 Price & Details
BlueCare Platinum 24K02-15 ($0 Virtual Visits / Rewards $$$) by Health Options, Inc. Both Platinum $0 / $0 $2,000 / $4,000 Price & Details
BlueCare Platinum 24K02-29S ($0 Deductible / $10 PCP Visits / $20 Specialist Visits / Multilingual Available / Rewards $$$) by Health Options, Inc. Both Platinum $0 / $0 $3,200 / $6,400 Price & Details
myBlue Platinum 2015 ($0 Virtual Visits / Rewards $$$) by Health Options, Inc. Both Platinum $0 / $0 $2,000 / $4,000 Price & Details
myBlue Platinum 2324S ($0 Deductible / $10 PCP Visits / Multilingual Available / Rewards $$$ ) by Health Options, Inc. Both Platinum $0 / $0 $3,200 / $6,400 Price & Details
myBlueX Bronze 2212X ($0 Virtual Visits / Rewards $$$) by Health Options, Inc. Off Bronze $8,000 / $16,000 $9,450 / $18,900 Price & Details
BlueCare Bronze Plus 24K01-03P (Rewards $$$) by Health Options, Inc. Off Bronze $6,500 / $13,000 $9,450 / $18,900 Price & Details
myBlue Bronze Plus 1601P (Rewards $$$) by Health Options, Inc. Off Bronze $6,000 / $12,000 $9,450 / $18,900 Price & Details
BlueCare Bronze (HSA) 24K02-19 (Rewards $$$) by Health Options, Inc. Off Bronze $7,050 / $14,100 $7,050 / $14,100 Price & Details
myBlueX Bronze 2221X ($0 Virtual Visits / Rewards $$$) by Health Options, Inc. Off Bronze $7,400 / $14,800 $9,450 / $18,900 Price & Details
BlueCare Silver 24K01-24 ($0 Virtual Visits / Rewards $$$) by Health Options, Inc. Off Silver $0 / $0 $9,450 / $18,900 Price & Details
BlueCare Silver 24K01-11 ($0 Virtual Visits / Rewards $$$) by Health Options, Inc. Off Silver $5,850 / $11,700 $8,350 / $16,700 Price & Details
BlueCare Silver 24K01-12 ($0 Virtual Visits / Rewards $$$) by Health Options, Inc. Off Silver $5,500 / $11,000 $9,450 / $18,900 Price & Details
BlueCare Silver 24K02-14 ($0 Virtual Visits / Rewards $$$) by Health Options, Inc. Off Silver $0 / $0 $9,450 / $18,900 Price & Details
myBlueX Silver 2220X ($0 Virtual Visits / Rewards $$$) by Health Options, Inc. Off Silver $4,500 / $9,000 $9,100 / $18,200 Price & Details
myBlueX Silver 2210X ($0 Virtual Visits / Rewards $$$) by Health Options, Inc. Off Silver $4,500 / $9,000 $9,100 / $18,200 Price & Details
BlueCare Silver (HSA) 24K01-01 (Rewards $$$) by Health Options, Inc. Off Silver $5,000 / $10,000 $7,000 / $14,000 Price & Details
BlueCare Silver 24K01-13 ($0 Virtual Visits / Rewards $$$) by Health Options, Inc. Off Silver $3,600 / $7,200 $7,900 / $15,800 Price & Details
BlueCare Silver (HSA) 24K02-22 (Rewards $$$) by Health Options, Inc. Off Silver $5,000 / $10,000 $7,000 / $14,000 Price & Details
BlueCare Silver 24K02-16 ($0 Virtual Visits / Rewards $$$) by Health Options, Inc. Off Silver $5,850 / $11,700 $8,350 / $16,700 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 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.

 

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 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