Plan Name On or Off Exchange Plan eligible for subsidy? Metal Level Deductible (individual/family) Out-of-pocket Max (individual/family)
McLaren Bronze
by McLaren Health Plan Community
Obamacare bronze $5,500 / $11,000 $7,350 / $14,700 Price & Details
Blue Cross® Premier PPO Bronze Saver
by Blue Cross Blue Shield of Michigan Mutual Insurance Company
Both bronze $7,350 / $14,700 $7,350 / $14,700 Price & Details
Meridian Healthy Bronze
by Meridian Health Plan of Michigan, Inc.
Obamacare bronze $7,350 / $14,700 $7,350 / $14,700 Price & Details
MyPriority HSA Bronze 6650 - St. John Providence Network
by Priority Health
Obamacare bronze $6,650 / $13,100 $6,650 / $13,100 Price & Details
Blue Cross® Premier PPO Bronze HSA
by Blue Cross Blue Shield of Michigan Mutual Insurance Company
Both bronze $6,650 / $13,300 $6,650 / $13,300 Price & Details
MyPriority HSA Bronze 6650 - St. Joseph Mercy Health System Network
by Priority Health
Obamacare bronze $6,650 / $13,100 $6,650 / $13,100 Price & Details
MyPriority HSA Bronze 6650
by Priority Health
Obamacare bronze $6,650 / $13,100 $6,650 / $13,100 Price & Details
Total Saver Plus
by Total Health Care USA, Inc.
Obamacare bronze $5,500 / $11,000 $7,150 / $14,300 Price & Details
MyPriority HSA Bronze 6650 - Bronson Healthcare Partners
by Priority Health
Obamacare bronze $6,650 / $13,100 $6,650 / $13,100 Price & Details
Total Saver Complete
by Total Health Care USA, Inc.
Obamacare bronze $7,150 / $14,300 $7,150 / $14,300 Price & Details
MyPriority HSA Bronze 6650 - Spectrum Health Partners
by Priority Health
Obamacare bronze $6,650 / $13,100 $6,650 / $13,100 Price & Details
MyPriority HSA Bronze 6650 - Beaumont Health Network
by Priority Health
Obamacare bronze $6,650 / $13,100 $6,650 / $13,100 Price & Details
Blue Cross® Premier PPO Bronze Extra
by Blue Cross Blue Shield of Michigan Mutual Insurance Company
Both bronze $6,650 / $13,300 $7,350 / $14,700 Price & Details
Blue Cross® Preferred HMO Bronze Saver HSA
by Blue Care Network of Michigan
Both bronze $6,650 / $13,300 $6,650 / $13,300 Price & Details
Blue Cross® Select HMO Bronze Saver HSA
by Blue Care Network of Michigan
Both bronze $6,650 / $13,300 $6,650 / $13,300 Price & Details
Molina Marketplace Options Bronze Plan
by Molina Healthcare of Michigan, Inc.
Obamacare bronze $6,650 / $13,300 $7,350 / $14,700 Price & Details
Blue Cross® Select HMO Bronze Saver HSA
by Blue Care Network of Michigan
Both bronze $6,650 / $13,300 $6,650 / $13,300 Price & Details
Blue Cross® Metro Detroit HMO Bronze
by Blue Care Network of Michigan
Both bronze $7,350 / $14,700 $7,350 / $14,700 Price & Details
Molina Marketplace Bronze Plan
by Molina Healthcare of Michigan, Inc.
Obamacare bronze $6,400 / $12,800 $7,350 / $14,700 Price & Details
Blue Cross® Select HMO Bronze
by Blue Care Network of Michigan
Both bronze $7,350 / $14,700 $7,350 / $14,700 Price & Details
Blue Cross® Select HMO Bronze
by Blue Care Network of Michigan
Both bronze $7,350 / $14,700 $7,350 / $14,700 Price & Details
Blue Cross® Metro Detroit HMO Bronze Saver HSA
by Blue Care Network of Michigan
Both bronze $6,650 / $13,300 $6,650 / $13,300 Price & Details
Sparrow PHP Bronze 5500 H.S.A. Exclusive
by Physicians Health Plan
Both bronze $5,500 / $11,000 $6,500 / $13,000 Price & Details
Sparrow PHP Bronze 6650 Exclusive
by Physicians Health Plan
Both bronze $6,650 / $13,300 $7,350 / $14,700 Price & Details
Sparrow PHP Bronze 6550 H.S.A. Exclusive
by Physicians Health Plan
Both bronze $6,550 / $13,100 $6,550 / $13,100 Price & Details
Sparrow PHP Bronze 6000 H.S.A. Exclusive
by Physicians Health Plan
Both bronze $6,000 / $12,000 $6,000 / $12,000 Price & Details
Sparrow PHP Bronze 6550 H.S.A. HMO
by Physicians Health Plan
Both bronze $6,550 / $13,100 $6,550 / $13,100 Price & Details
Blue Cross® Premier PPO Silver Saver HSA
by Blue Cross Blue Shield of Michigan Mutual Insurance Company
Both silver $3,100 / $6,200 $6,650 / $13,300 Price & Details
Totally You - Value
by Total Health Care USA, Inc.
Obamacare silver $5,000 / $10,000 $7,350 / $14,700 Price & Details
MyPriority Silver 3200
by Priority Health
Obamacare silver $3,200 / $6,400 $7,350 / $14,700 Price & Details
Blue Cross® Preferred HMO Silver
by Blue Care Network of Michigan
Both silver $2,000 / $4,000 $7,350 / $14,700 Price & Details
McLaren Silver Standard
by McLaren Health Plan Community
Obamacare silver $3,500 / $7,000 $7,350 / $14,700 Price & Details
Blue Cross® Preferred HMO Silver Extra
by Blue Care Network of Michigan
Obamacare silver $3,500 / $7,000 $7,350 / $14,700 Price & Details
Meridian Healthy Silver
by Meridian Health Plan of Michigan, Inc.
Obamacare silver $6,000 / $12,000 $7,350 / $14,700 Price & Details
Meridian Smart Silver
by Meridian Health Plan of Michigan, Inc.
Obamacare silver $0 / $0 $7,350 / $14,700 Price & Details
Meridian HSA Savings Silver
by Meridian Health Plan of Michigan, Inc.
Obamacare silver $4,000 / $8,000 $5,300 / $10,600 Price & Details
Molina Marketplace Silver Plan
by Molina Healthcare of Michigan, Inc.
Obamacare silver $4,950 / $9,900 $7,350 / $14,700 Price & Details
Blue Cross® Select HMO Silver Extra
by Blue Care Network of Michigan
Obamacare silver $3,500 / $7,000 $7,350 / $14,700 Price & Details
MyPriority Silver 3200 - Bronson Healthcare Partners
by Priority Health
Obamacare silver $3,200 / $6,400 $7,350 / $14,700 Price & Details
Molina Marketplace Options Silver Plan
by Molina Healthcare of Michigan, Inc.
Obamacare silver $3,500 / $7,000 $7,350 / $14,700 Price & Details
Sparrow PHP Silver 4000 Exclusive
by Physicians Health Plan
Both silver $4,000 / $8,000 $7,350 / $14,700 Price & Details
Sparrow PHP Silver 5000 Exclusive
by Physicians Health Plan
Both silver $5,000 / $10,000 $7,350 / $14,700 Price & Details
Sparrow PHP Silver 3500 Exclusive
by Physicians Health Plan
Both silver $3,500 / $7,000 $7,350 / $14,700 Price & Details
Sparrow PHP Silver 2500 Exclusive
by Physicians Health Plan
Both silver $2,500 / $5,000 $7,350 / $14,700 Price & Details
Sparrow PHP Silver 3000 HMO
by Physicians Health Plan
Both silver $3,000 / $6,000 $7,350 / $14,700 Price & Details
Totally You - Complete
by Total Health Care USA, Inc.
Obamacare silver $3,750 / $7,500 $6,000 / $12,000 Price & Details
Totally You - Simple Choice
by Total Health Care USA, Inc.
Obamacare silver $3,500 / $7,000 $7,350 / $14,700 Price & Details
Totally You
by Total Health Care USA, Inc.
Obamacare silver $4,250 / $8,500 $7,350 / $14,700 Price & Details
Sparrow PHP Silver HDHP Exclusive
by Physicians Health Plan
Both silver $2,700 / $5,400 $4,000 / $8,000 Price & Details
MyPriority Silver 3200 - Spectrum Health Partners
by Priority Health
Obamacare silver $3,200 / $6,400 $7,350 / $14,700 Price & Details
Blue Cross® Select HMO Silver Extra
by Blue Care Network of Michigan
Obamacare silver $3,500 / $7,000 $7,350 / $14,700 Price & Details
MyPriority Silver 3200 - St. Joseph Mercy Health System Network
by Priority Health
Obamacare silver $3,200 / $6,400 $7,350 / $14,700 Price & Details
Blue Cross® Select HMO Silver
by Blue Care Network of Michigan
Both silver $2,000 / $4,000 $7,350 / $14,700 Price & Details
MyPriority Silver 3200 - Beaumont Health Network
by Priority Health
Obamacare silver $3,200 / $6,400 $7,350 / $14,700 Price & Details
MyPriority Silver 3200 - St. John Providence Network
by Priority Health
Obamacare silver $3,200 / $6,400 $7,350 / $14,700 Price & Details
Blue Cross® Metro Detroit HMO Silver Extra
by Blue Care Network of Michigan
Obamacare silver $3,500 / $7,000 $7,350 / $14,700 Price & Details
Blue Cross® Select HMO Silver Saver
by Blue Care Network of Michigan
Both silver $3,250 / $6,500 $6,550 / $13,100 Price & Details
Blue Cross® Select HMO Silver
by Blue Care Network of Michigan
Both silver $2,000 / $4,000 $7,350 / $14,700 Price & Details
Blue Cross® Preferred HMO Silver Saver
by Blue Care Network of Michigan
Both silver $3,250 / $6,500 $6,550 / $13,100 Price & Details
Blue Cross® Premier PPO Silver
by Blue Cross Blue Shield of Michigan Mutual Insurance Company
Both silver $2,000 / $4,000 $7,350 / $14,700 Price & Details
Blue Cross® Premier PPO Silver Extra
by Blue Cross Blue Shield of Michigan Mutual Insurance Company
Both silver $3,500 / $7,000 $7,350 / $14,700 Price & Details
Blue Cross® Metro Detroit HMO Silver Saver
by Blue Care Network of Michigan
Both silver $3,250 / $6,500 $6,550 / $13,100 Price & Details
Blue Cross® Metro Detroit HMO Silver
by Blue Care Network of Michigan
Both silver $2,000 / $4,000 $7,350 / $14,700 Price & Details
Sparrow PHP Silver 7000 Exclusive
by Physicians Health Plan
Both silver $7,000 / $14,000 $7,350 / $14,700 Price & Details
Sparrow PHP Silver 3000 Exclusive
by Physicians Health Plan
Both silver $3,000 / $6,000 $7,350 / $14,700 Price & Details
Sparrow PHP Silver 2000 Exclusive
by Physicians Health Plan
Both silver $2,000 / $4,000 $7,350 / $14,700 Price & Details
Blue Cross® Select HMO Silver Saver
by Blue Care Network of Michigan
Both silver $3,250 / $6,500 $6,550 / $13,100 Price & Details
Meridian Healthy Gold
by Meridian Health Plan of Michigan, Inc.
Obamacare gold $2,200 / $4,400 $4,450 / $8,900 Price & Details
McLaren Gold Standard
by McLaren Health Plan Community
Obamacare gold $1,400 / $2,800 $5,000 / $10,000 Price & Details
Blue Cross® Preferred HMO Gold
by Blue Care Network of Michigan
Both gold $500 / $1,000 $5,500 / $11,000 Price & Details
MyPriority Gold 1100
by Priority Health
Obamacare gold $1,100 / $2,200 $7,350 / $14,700 Price & Details
Molina Marketplace Gold Plan
by Molina Healthcare of Michigan, Inc.
Obamacare gold $3,800 / $7,600 $7,350 / $14,700 Price & Details
Blue Cross® Premier PPO Gold
by Blue Cross Blue Shield of Michigan Mutual Insurance Company
Both gold $500 / $1,000 $5,500 / $11,000 Price & Details
Total HMO Standard
by Total Health Care USA, Inc.
Obamacare gold $1,000 / $2,000 $5,000 / $10,000 Price & Details
Sparrow PHP Gold 2000 Exclusive
by Physicians Health Plan
Both gold $2,000 / $4,000 $6,800 / $13,600 Price & Details
Sparrow PHP Gold 1400 H.S.A. Exclusive
by Physicians Health Plan
Both gold $1,400 / $2,800 $4,000 / $6,650 Price & Details
Sparrow PHP Gold 1000 Exclusive
by Physicians Health Plan
Both gold $1,000 / $2,000 $5,000 / $10,000 Price & Details
Sparrow PHP Gold 500 Basic Exclusive
by Physicians Health Plan
Both gold $500 / $1,000 $7,350 / $14,700 Price & Details
Sparrow PHP Gold 1400 Exclusive
by Physicians Health Plan
Both gold $1,400 / $2,800 $5,000 / $10,000 Price & Details
Sparrow PHP Gold 500 Exclusive
by Physicians Health Plan
Both gold $500 / $1,000 $5,200 / $10,400 Price & Details
Sparrow PHP Gold 500 Basic HMO
by Physicians Health Plan
Both gold $500 / $1,000 $7,350 / $14,700 Price & Details
Sparrow PHP Platinum 500-100Percent Exclusive
by Physicians Health Plan
Both platinum $500 / $1,000 $2,200 / $4,400 Price & Details
Sparrow PHP Platinum 250 HMO
by Physicians Health Plan
Both platinum $250 / $500 $1,500 / $3,000 Price & Details
Sparrow PHP Platinum 250 Exclusive
by Physicians Health Plan
Both platinum $250 / $500 $1,500 / $3,000 Price & Details
HAP Personal Alliance 7350c HMO
by Health Alliance Plan (HAP)
Off catastrophic $7,350 / $14,700 $7,350 / $14,700 Price & Details
HAP Personal Alliance 7350c PPO
by HAP
Off catastrophic $7,350 / $14,700 $7,350 / $14,700 Price & Details
McLaren Young Adult/Catastrophic
by McLaren Health Plan Community
Obamacare catastrophic $7,350 / $14,700 $7,350 / $14,700 Price & Details
Meridian Catastrophic
by Meridian Health Plan of Michigan, Inc.
Obamacare catastrophic $7,350 / $14,700 $7,350 / $14,700 Price & Details
Blue Cross® Select HMO Value
by Blue Care Network of Michigan
Both catastrophic $7,350 / $14,700 $7,350 / $14,700 Price & Details
Blue Cross® Premier PPO Value
by Blue Cross Blue Shield of Michigan Mutual Insurance Company
Both catastrophic $7,350 / $14,700 $7,350 / $14,700 Price & Details
Sparrow PHP Healthy HMO
by Physicians Health Plan
Both catastrophic $7,350 / $14,700 $7,350 / $14,700 Price & Details
Blue Cross® Select HMO Value
by Blue Care Network of Michigan
Both catastrophic $7,350 / $14,700 $7,350 / $14,700 Price & Details
HAP Personal Alliance 7350c HMO Henry Ford Choice
by Health Alliance Plan (HAP)
Off catastrophic $7,350 / $14,700 $7,350 / $14,700 Price & Details
HAP Personal Alliance 7350c HMO Genesys Choice
by Health Alliance Plan (HAP)
Off catastrophic $7,350 / $14,700 $7,350 / $14,700 Price & Details
HAP Personal Alliance 7350 HMO
by Health Alliance Plan (HAP)
Off bronze $7,350 / $14,700 $7,350 / $14,700 Price & Details
HAP Personal Alliance 6650 PPO (HSA)
by HAP
Off bronze $6,650 / $13,300 $6,650 / $13,300 Price & Details
HAP Personal Alliance 7350 PPO
by HAP
Off bronze $7,350 / $14,700 $7,350 / $14,700 Price & Details
HAP Personal Alliance 5000 HMO Genesys Choice
by Health Alliance Plan (HAP)
Off bronze $5,000 / $10,000 $7,350 / $14,700 Price & Details
HAP Personal Alliance 5000 HMO
by Health Alliance Plan (HAP)
Off bronze $5,000 / $10,000 $7,350 / $14,700 Price & Details
HAP Personal Alliance 5000 PPO
by HAP
Off bronze $5,000 / $10,000 $7,350 / $14,700 Price & Details
HAP Personal Alliance 7350 HMO Henry Ford Choice
by Health Alliance Plan (HAP)
Off bronze $7,350 / $14,700 $7,350 / $14,700 Price & Details
HAP Personal Alliance 5000 HMO Henry Ford Choice
by Health Alliance Plan (HAP)
Off bronze $5,000 / $10,000 $7,350 / $14,700 Price & Details
HAP Personal Alliance 6650 HMO Genesys Choice (HSA)
by Health Alliance Plan (HAP)
Off bronze $6,650 / $13,300 $6,650 / $13,300 Price & Details
HAP Personal Alliance 7350 HMO Genesys Choice
by Health Alliance Plan (HAP)
Off bronze $7,350 / $14,700 $7,350 / $14,700 Price & Details
Blue Cross Metro Detroit HMO Silver Off Marketplace
by Blue Care Network of Michigan
Off silver $1,800 / $3,600 $7,000 / $14,000 Price & Details
HAP Personal Alliance 2700 HMO Genesys Choice
by Health Alliance Plan (HAP)
Off silver $2,700 / $5,400 $7,350 / $14,700 Price & Details
Blue Cross Select HMO Silver Off Marketplace
by Blue Care Network of Michigan
Off silver $1,800 / $3,600 $7,000 / $14,000 Price & Details
Blue Cross Premier PPO Silver Off Marketplace
by Blue Cross Blue Shield of Michigan Mutual Insurance Company
Off silver $1,800 / $3,600 $7,000 / $14,000 Price & Details
Blue Cross Select HMO Silver Off Marketplace
by Blue Care Network of Michigan
Off silver $1,800 / $3,600 $7,000 / $14,000 Price & Details
Blue Cross Preferred HMO Silver Off Marketplace
by Blue Care Network of Michigan
Off silver $1,800 / $3,600 $7,000 / $14,000 Price & Details

 

 

After using a subsidy tax credit, you may be eligible for Obamacare plans as low as $0.

HealthSherpa is our trusted partner to help people apply for a subsidy and sign up for Obamacare plans available on healthcare.gov or other State exchange marketplaces.

HealthSherpa is certified by the government to be an Obamacare web broker. Web brokers and agents are required to sell plans at the same market price. So why not get free help from HealthSherpa?!

 

OR
Call HealthSherpa today
1-855-780-0230
Mon-Fri 11:00am - 7:30pm
(Eastern Times)

 

Off-Exchange plans are available outside of the government exchange marketplaces and may not be eligible for reduced costs with a subsidy tax credit. Off-Exchange plans can provide you with additional options compared to Obamacare plans on the exchange marketplaces.

eHealth is our preferred web broker partner for help with Off-Exchange plans. Web brokers and agents are required to sell plans at the same market price. So why not get free help from eHealth?!

 

 

 

 

 

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