Plan Name On or Off Exchange Plan eligible for subsidy? Metal Level Deductible (individual/family) Out-of-pocket Max (individual/family)
MyDoc HMO Bronze Value
by Minuteman Health, Inc
Obamacare bronze $4,750 / $9,500 $7,150 / $14,300 Price & Details
MyDoc HMO Bronze Basic 4500
by Minuteman Health, Inc
Obamacare bronze $4,500 / $9,000 $7,150 / $14,300 Price & Details
MyDoc HMO Bronze 6300
by Minuteman Health, Inc
Obamacare bronze $6,300 / $12,600 $6,850 / $13,700 Price & Details
MyDoc HMO Bronze HSA 5800
by Minuteman Health, Inc
Obamacare bronze $5,800 / $11,600 $6,550 / $13,100 Price & Details
Anthem Bronze Pathway X Enhanced HMO 5750 10
by Matthew Thornton Hlth Plan(Anthem BCBS)
Both bronze $5,750 / $11,500 $7,150 / $14,300 Price & Details
New Hampshire Network Bronze HSA 5100
by Harvard Pilgrim Health Care of NE
Both bronze $5,100 / $10,100 $6,550 / $13,100 Price & Details
Anthem Bronze Pathway X Enhanced HMO 5400 30
by Matthew Thornton Hlth Plan(Anthem BCBS)
Both bronze $5,400 / $10,800 $7,150 / $14,300 Price & Details
ElevateHealth Bronze 5750
by Harvard Pilgrim Health Care of NE
Both bronze $5,750 / $11,500 $7,000 / $14,000 Price & Details
Anthem Bronze Pathway X Enhanced HMO 6350 40
by Matthew Thornton Hlth Plan(Anthem BCBS)
Both bronze $6,350 / $12,700 $7,150 / $14,300 Price & Details
Anthem Bronze Pathway X Enhanced HMO 0 for HSA
by Matthew Thornton Hlth Plan(Anthem BCBS)
Both bronze $6,050 / $12,100 $6,550 / $13,100 Price & Details
ElevateHealth Bronze HSA 6300
by Harvard Pilgrim Health Care of NE
Both bronze $6,300 / $12,600 $6,450 / $12,900 Price & Details
Anthem Bronze Pathway X Enhanced HMO 25 for HSA
by Matthew Thornton Hlth Plan(Anthem BCBS)
Both bronze $5,150 / $10,300 $6,550 / $13,100 Price & Details
Ambetter Balanced Care 8 (2017)
by Celtic Insurance Company
Obamacare silver $3,500 / $7,000 $6,500 / $13,000 Price & Details
New Hampshire Network Silver 2500
by Harvard Pilgrim Health Care of NE
Both silver $2,500 / $5,000 $6,850 / $13,700 Price & Details
MyDoc HMO Silver Basic
by Minuteman Health, Inc
Obamacare silver $2,000 / $4,000 $6,000 / $12,000 Price & Details
MyDoc HMO Silver Care
by Minuteman Health, Inc
Obamacare silver $3,000 / $6,000 $4,750 / $9,500 Price & Details
MyDoc HMO Silver Assistance A
by Minuteman Health, Inc
Obamacare silver $3,500 / $7,000 $6,850 / $13,700 Price & Details
Anthem Silver Pathway X Enhanced HMO 10 for HSA
by Matthew Thornton Hlth Plan(Anthem BCBS)
Both silver $3,000 / $6,000 $6,550 / $13,100 Price & Details
Anthem Silver Pathway X Enhanced HMO 4200 0
by Matthew Thornton Hlth Plan(Anthem BCBS)
Both silver $4,200 / $8,400 $5,900 / $11,800 Price & Details
Anthem Silver Pathway X Enhanced HMO 4000 0
by Matthew Thornton Hlth Plan(Anthem BCBS)
Both silver $4,000 / $8,000 $5,700 / $11,400 Price & Details
Anthem Blue Cross and Blue Shield Silver DirectAccess, a Multi-State Plan
by Matthew Thornton Hlth Plan(Anthem BCBS)
Obamacare silver $2,000 / $4,000 $7,150 / $14,300 Price & Details
ElevateHealth Silver 3500
by Harvard Pilgrim Health Care of NE
Both silver $3,500 / $7,000 $6,850 / $13,700 Price & Details
Anthem Silver Pathway X Enhanced HMO 5300 25
by Matthew Thornton Hlth Plan(Anthem BCBS)
Both silver $5,300 / $10,600 $6,750 / $13,500 Price & Details
ElevateHealth Silver HSA 3000
by Harvard Pilgrim Health Care of NE
Both silver $3,000 / $6,000 $5,000 / $10,000 Price & Details
ElevateHealth Gold HSA 1500
by Harvard Pilgrim Health Care of NE
Both gold $1,500 / $3,000 $3,500 / $7,000 Price & Details
New Hampshire Network Gold 1000
by Harvard Pilgrim Health Care of NE
Both gold $1,000 / $2,000 $6,850 / $13,700 Price & Details
MyDoc HMO Gold Basic 1000
by Minuteman Health, Inc
Obamacare gold $1,000 / $2,000 $3,500 / $7,000 Price & Details
Ambetter Secure Care 1 (2017) with 3 Free PCP Visits
by Celtic Insurance Company
Obamacare gold $1,000 / $2,000 $6,350 / $12,700 Price & Details
Anthem Blue Cross and Blue Shield Gold DirectAccess, a Multi-State Plan
by Matthew Thornton Hlth Plan(Anthem BCBS)
Obamacare gold $1,000 / $3,000 $5,000 / $10,000 Price & Details
Anthem Gold Pathway X Enhanced HMO 1000 10
by Matthew Thornton Hlth Plan(Anthem BCBS)
Both gold $1,000 / $3,000 $5,000 / $10,000 Price & Details
MyDoc HMO Platinum Extra Value
by Minuteman Health, Inc
Obamacare platinum $0 / $0 $6,000 / $12,000 Price & Details
MyDoc HMO Platinum
by Minuteman Health, Inc
Obamacare platinum $0 / $0 $5,000 / $10,000 Price & Details
MyDoc HMO Simple Care
by Minuteman Health, Inc
Obamacare catastrophic $7,150 / $14,300 $7,150 / $14,300 Price & Details
Anthem Catastrophic Pathway X Enhanced HMO 7150 0
by Matthew Thornton Hlth Plan(Anthem BCBS)
Both catastrophic $7,150 / $14,300 $7,150 / $14,300 Price & Details
Anthem Catastrophic Pathway HMO 7150 0
by Matthew Thornton Hlth Plan(Anthem BCBS)
Off catastrophic $7,150 / $14,300 $7,150 / $14,300 Price & Details
Anthem Bronze Pathway HMO 30 for HSA
by Matthew Thornton Hlth Plan(Anthem BCBS)
Off bronze $5,500 / $11,000 $6,550 / $13,100 Price & Details
Anthem Bronze Matthew Thornton HMO 0 for HSA
by Matthew Thornton Hlth Plan(Anthem BCBS)
Off bronze $6,500 / $13,000 $6,500 / $13,000 Price & Details
ElevateHealth Bronze HSA 6300
by Harvard Pilgrim Health Care of NE
Off bronze $6,300 / $12,600 $6,450 / $12,900 Price & Details
ElevateHealth Bronze 5750
by Harvard Pilgrim Health Care of NE
Off bronze $5,750 / $11,500 $7,000 / $14,000 Price & Details
New Hampshire Network Bronze HSA 5100
by Harvard Pilgrim Health Care of NE
Off bronze $5,100 / $10,100 $6,550 / $13,100 Price & Details
Anthem Bronze Pathway HMO 0 for HSA
by Matthew Thornton Hlth Plan(Anthem BCBS)
Off bronze $6,500 / $13,000 $6,500 / $13,000 Price & Details
Anthem Bronze Pathway HMO 5500 30
by Matthew Thornton Hlth Plan(Anthem BCBS)
Off bronze $5,500 / $11,000 $7,150 / $14,300 Price & Details
Anthem Bronze Matthew Thornton HMO 5500 30
by Matthew Thornton Hlth Plan(Anthem BCBS)
Off bronze $5,500 / $11,000 $7,150 / $14,300 Price & Details
Anthem Bronze Pathway HMO 6900 0
by Matthew Thornton Hlth Plan(Anthem BCBS)
Off bronze $6,900 / $13,800 $7,150 / $14,300 Price & Details
Anthem Bronze Matthew Thornton HMO 30 for HSA
by Matthew Thornton Hlth Plan(Anthem BCBS)
Off bronze $5,500 / $11,000 $6,550 / $13,100 Price & Details
Anthem Bronze Matthew Thornton HMO 6900 0
by Matthew Thornton Hlth Plan(Anthem BCBS)
Off bronze $6,900 / $13,800 $7,150 / $14,300 Price & Details
ElevateHealth Options Silver 3000
by Harvard Pilgrim Health Care of NE
Off silver $3,000 / $6,000 $7,000 / $14,000 Price & Details
Anthem Silver Pathway HMO 10 for HSA
by Matthew Thornton Hlth Plan(Anthem BCBS)
Off silver $3,250 / $6,500 $5,400 / $10,800 Price & Details
Anthem Silver Matthew Thornton HMO 2800 20
by Matthew Thornton Hlth Plan(Anthem BCBS)
Off silver $2,800 / $5,600 $7,150 / $14,300 Price & Details
New Hampshire Network Silver 2500
by Harvard Pilgrim Health Care of NE
Off silver $2,500 / $5,000 $6,850 / $13,700 Price & Details
ElevateHealth Silver HSA 3000
by Harvard Pilgrim Health Care of NE
Off silver $3,000 / $6,000 $5,000 / $10,000 Price & Details
ElevateHealth Silver 3500
by Harvard Pilgrim Health Care of NE
Off silver $3,500 / $7,000 $6,850 / $13,700 Price & Details
ElevateHealth Options Silver 3000
by Harvard Pilgrim Health Care of NE
Off silver $3,000 / $6,000 $7,000 / $14,000 Price & Details
Anthem Silver Pathway HMO 4200 15
by Matthew Thornton Hlth Plan(Anthem BCBS)
Off silver $4,200 / $8,400 $7,150 / $14,300 Price & Details
Anthem Silver Matthew Thornton HMO 4200 15
by Matthew Thornton Hlth Plan(Anthem BCBS)
Off silver $4,200 / $8,400 $7,150 / $14,300 Price & Details
Anthem Silver Matthew Thornton HMO 10 for HSA
by Matthew Thornton Hlth Plan(Anthem BCBS)
Off silver $3,250 / $6,500 $5,400 / $10,800 Price & Details
Anthem Silver Pathway HMO 5300 25
by Matthew Thornton Hlth Plan(Anthem BCBS)
Off silver $5,300 / $10,600 $6,750 / $13,500 Price & Details
Anthem Silver Pathway HMO 2800 20
by Matthew Thornton Hlth Plan(Anthem BCBS)
Off silver $2,800 / $5,600 $7,150 / $14,300 Price & Details
Anthem Gold Pathway HMO 10 for HSA
by Matthew Thornton Hlth Plan(Anthem BCBS)
Off gold $1,500 / $4,500 $3,400 / $6,800 Price & Details
ElevateHealth Gold HSA 1500
by Harvard Pilgrim Health Care of NE
Off gold $1,500 / $3,000 $3,500 / $7,000 Price & Details
New Hampshire Network Gold 1000
by Harvard Pilgrim Health Care of NE
Off gold $1,000 / $2,000 $6,850 / $13,700 Price & Details
ElevateHealth Options Gold 1000
by Harvard Pilgrim Health Care of NE
Off gold $1,000 / $2,000 $6,000 / $12,000 Price & Details
ElevateHealth Options Gold 1000
by Harvard Pilgrim Health Care of NE
Off gold $1,000 / $2,000 $6,000 / $12,000 Price & Details
Anthem Gold Matthew Thornton HMO 10 for HSA
by Matthew Thornton Hlth Plan(Anthem BCBS)
Off gold $1,500 / $4,500 $3,400 / $6,800 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

 

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