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Health Insurance Plans in Pennsylvania
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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) | |
|---|---|---|---|---|---|---|
| my Direct Blue Major Events EPO Catastrophic 10600 - 3 Free PCP Visits by Highmark Inc. | Off | Catastrophic | $10,600 / $21,200 | $10,600 / $21,200 | Price & Details | |
| my Blue Access Major Events PPO Catastrophic 10600 - 3 Free PCP Visits by Highmark Inc. | Off | Catastrophic | $10,600 / $21,200 | $10,600 / $21,200 | Price & Details | |
| Personal Choice EPO Catastrophic by Independence Blue Cross | Off | Catastrophic | $10,600 / $21,200 | $10,600 / $21,200 | Price & Details | |
| Together Blue Major Events EPO Catastrophic 10600 - 3 Free PCP Visits by Highmark Coverage Advantage Inc. | Off | Catastrophic | $10,600 / $21,200 | $10,600 / $21,200 | Price & Details | |
| my Blue Access Major Events PPO Catastrophic 10600 - 3 Free PCP Visits by Highmark Inc. | Off | Catastrophic | $10,600 / $21,200 | $10,600 / $21,200 | Price & Details | |
| my Direct Blue Major Events EPO Catastrophic 10600 - 3 Free PCP Visits by Highmark Inc. | Off | Catastrophic | $10,600 / $21,200 | $10,600 / $21,200 | Price & Details | |
| my Blue Access Major Events PPO Catastrophic 10600 - 3 Free PCP Visits by Highmark Inc. | Off | Catastrophic | $10,600 / $21,200 | $10,600 / $21,200 | Price & Details | |
| my Priority Blue Major Events PPO Catastrophic 10600 - 3 Free PCP Visits by Highmark Benefits Group Inc. | Off | Catastrophic | $10,600 / $21,200 | $10,600 / $21,200 | Price & Details | |
| my Direct Blue Lehigh Valley Major Events EPO Catastrophic 10600 - 3 Free PCP Visits by Highmark Inc. | Off | Catastrophic | $10,600 / $21,200 | $10,600 / $21,200 | Price & Details | |
| my Blue Access Major Events PPO Catastrophic 10600 - 3 Free PCP Visits by Highmark Benefits Group Inc. | Off | Catastrophic | $10,600 / $21,200 | $10,600 / $21,200 | Price & Details | |
| Personal Choice EPO Catastrophic by Independence Blue Cross | Off | Catastrophic | $10,600 / $21,200 | $10,600 / $21,200 | Price & Details | |
| Everyday Bronze by Ambetter Health | Off | Bronze | $8,450 / $16,900 | $10,150 / $20,300 | Price & Details | |
| Bronze QHDHP PPO 6400/0/50 by Capital BlueCross | Off | Bronze | $6,400 / $12,800 | $8,300 / $16,600 | Price & Details | |
| Bronze Classic 4700 by Oscar Health Plan of Pennsylvania, Inc. | Off | Bronze | $4,700 / $9,400 | $9,500 / $19,000 | Price & Details | |
| Bronze Advance PPO 7100/0/50 by Capital BlueCross | Off | Bronze | $7,100 / $14,200 | $10,000 / $20,000 | Price & Details | |
| Together Blue EPO Bronze 3800 + Adult Dental and Vision by Highmark Coverage Advantage Inc. | Off | Bronze | $3,800 / $7,600 | $9,900 / $19,800 | Price & Details | |
| my Direct Blue EPO Bronze 9200 by Highmark Inc. | Off | Bronze | $9,200 / $18,400 | $9,200 / $18,400 | Price & Details | |
| my Blue Access PPO Bronze 9200 by Highmark Inc. | Off | Bronze | $9,200 / $18,400 | $9,200 / $18,400 | Price & Details | |
| my Blue Access PPO Bronze 3800 + Adult Dental and Vision by Highmark Inc. | Off | Bronze | $3,800 / $7,600 | $9,900 / $19,800 | Price & Details | |
| Elite Bronze by Ambetter Health | Off | Bronze | $0 / $0 | $10,500 / $21,000 | Price & Details | |
| my Priority Blue Flex PPO Bronze 3800 by Highmark Benefits Group Inc. | Off | Bronze | $3,800 / $7,600 | $9,900 / $19,800 | Price & Details | |
| Bronze Convenience PPO 9000/0/75 by Capital BlueCross | Off | Bronze | $9,000 / $18,000 | $10,600 / $21,200 | Price & Details | |
| my Direct Blue Lehigh Valley EPO Bronze 3800 + Adult Dental and Vision by Highmark Inc. | Off | Bronze | $3,800 / $7,600 | $9,900 / $19,800 | Price & Details | |
| Keystone HMO Bronze Proactive by Independence Blue Cross | Off | Bronze | $8,000 / $16,000 | $10,600 / $21,200 | Price & Details | |
| Personal Choice EPO Bronze Reserve + HSA Eligible by Independence Blue Cross | Off | Bronze | $7,450 / $14,900 | $7,450 / $14,900 | Price & Details | |
| Jefferson Health Plans + $0 Deductible + Bronze + PPO + Off Exchange by Jefferson Health Plans | Off | Bronze | $0 / $0 | $10,600 / $21,200 | Price & Details | |
| my Direct Blue Lehigh Valley EPO Bronze 3800 by Highmark Inc. | Off | Bronze | $3,800 / $7,600 | $9,900 / $19,800 | Price & Details | |
| Keystone HMO Bronze by Independence Blue Cross | Off | Bronze | $8,500 / $17,000 | $9,500 / $19,000 | Price & Details | |
| Bronze Capital Advantage PPO 7100/0/50 by Capital BlueCross | Off | Bronze | $7,100 / $14,200 | $10,000 / $20,000 | Price & Details | |
| Bronze Elite PCP Saver by Oscar Health Plan of Pennsylvania, Inc. | Off | Bronze | $150 / $300 | $10,150 / $20,300 | Price & Details | |
| Jefferson Health Plans + Total + Bronze + PPO + Off Exchange by Jefferson Health Plans | Off | Bronze | $9,000 / $18,000 | $10,600 / $21,200 | Price & Details | |
| Bronze Advance PPO 9000/0/75 by Capital BlueCross | Off | Bronze | $9,000 / $18,000 | $10,600 / $21,200 | Price & Details | |
| Jefferson Health Plans + Value + Bronze + PPO + Off Exchange by Jefferson Health Plans | Off | Bronze | $8,500 / $17,000 | $8,500 / $17,000 | Price & Details | |
| Keystone HMO Bronze Proactive by Independence Blue Cross | Off | Bronze | $8,000 / $16,000 | $10,600 / $21,200 | Price & Details | |
| Personal Choice PPO Bronze by Independence Blue Cross | Off | Bronze | $6,000 / $12,000 | $9,200 / $18,400 | Price & Details | |
| my Blue Access PPO Bronze 9200 by Highmark Inc. | Off | Bronze | $9,200 / $18,400 | $9,200 / $18,400 | Price & Details | |
| Together Blue EPO Bronze 9200 by Highmark Coverage Advantage Inc. | Off | Bronze | $9,200 / $18,400 | $9,200 / $18,400 | Price & Details | |
| Elite Bronze + Vision + Adult Dental by Ambetter Health | Off | Bronze | $0 / $0 | $10,500 / $21,000 | Price & Details | |
| Bronze PPO 10000/0/60 by Capital BlueCross | Off | Bronze | $10,000 / $20,000 | $10,600 / $21,200 | Price & Details | |
| Together Blue EPO Bronze 3800 by Highmark Coverage Advantage Inc. | Off | Bronze | $3,800 / $7,600 | $9,900 / $19,800 | Price & Details | |
| my Blue Access PPO Bronze 3800 + Adult Dental and Vision by Highmark Inc. | Off | Bronze | $3,800 / $7,600 | $9,900 / $19,800 | Price & Details | |
| my Blue Access PPO Bronze 3800 by Highmark Inc. | Off | Bronze | $3,800 / $7,600 | $9,900 / $19,800 | Price & Details | |
| Everyday Bronze + Vision + Adult Dental by Ambetter Health | Off | Bronze | $8,450 / $16,900 | $10,150 / $20,300 | Price & Details | |
| my Blue Access PPO Bronze 3800 by Highmark Inc. | Off | Bronze | $3,800 / $7,600 | $9,900 / $19,800 | Price & Details | |
| my Direct Blue EPO Bronze 3800 by Highmark Inc. | Off | Bronze | $3,800 / $7,600 | $9,900 / $19,800 | Price & Details | |
| my Direct Blue EPO Bronze 3800 + Adult Dental and Vision by Highmark Inc. | Off | Bronze | $3,800 / $7,600 | $9,900 / $19,800 | Price & Details | |
| Bronze HMO 7450/0/60 by Keystone Health Plan Central, A Capital BlueCross Company | Off | Bronze | $7,450 / $14,900 | $10,100 / $20,200 | Price & Details | |
| Bronze PPO 7450/0/60 by Capital BlueCross | Off | Bronze | $7,450 / $14,900 | $10,100 / $20,200 | Price & Details | |
| my Direct Blue EPO Bronze 3800 by Highmark Inc. | Off | Bronze | $3,800 / $7,600 | $9,900 / $19,800 | Price & Details | |
| Bronze Convenience PPO 7100/0/50 by Capital BlueCross | Off | Bronze | $7,100 / $14,200 | $10,000 / $20,000 | Price & Details | |
| my Blue Access PPO Bronze 9200 by Highmark Inc. | Off | Bronze | $9,200 / $18,400 | $9,200 / $18,400 | Price & Details | |
| my Priority Blue Flex PPO Bronze 3800 + Adult Dental and Vision by Highmark Benefits Group Inc. | Off | Bronze | $3,800 / $7,600 | $9,900 / $19,800 | Price & Details | |
| my Blue Access PPO Bronze 3800 by Highmark Inc. | Off | Bronze | $3,800 / $7,600 | $9,900 / $19,800 | Price & Details | |
| my Direct Blue EPO Bronze 9200 by Highmark Inc. | Off | Bronze | $9,200 / $18,400 | $9,200 / $18,400 | Price & Details | |
| Bronze Classic PCP Saver Plus by Oscar Health Plan of Pennsylvania, Inc. | Off | Bronze | $9,000 / $18,000 | $9,700 / $19,400 | Price & Details | |
| my Blue Access PPO Bronze 3800 + Adult Dental and Vision by Highmark Inc. | Off | Bronze | $3,800 / $7,600 | $9,900 / $19,800 | Price & Details | |
| Bronze Capital Advantage PPO 9000/0/75 by Capital BlueCross | Off | Bronze | $9,000 / $18,000 | $10,600 / $21,200 | Price & Details | |
| my Direct Blue EPO Bronze 3800 + Adult Dental and Vision by Highmark Inc. | Off | Bronze | $3,800 / $7,600 | $9,900 / $19,800 | Price & Details | |
| Bronze Classic by Oscar Health Plan of Pennsylvania, Inc. | Off | Bronze | $7,000 / $14,000 | $10,150 / $20,300 | Price & Details | |
| my Priority Blue Flex PPO Bronze 9200 by Highmark Benefits Group Inc. | Off | Bronze | $9,200 / $18,400 | $9,200 / $18,400 | Price & Details | |
| Bronze QHDHP Advance PPO 6400/0/50 by Capital BlueCross | Off | Bronze | $6,400 / $12,800 | $8,300 / $16,600 | Price & Details | |
| Jefferson Health Plans + Value + Bronze + HMO + Off Exchange by Health Partners of Philadelphia Inc. | Off | Bronze | $10,000 / $20,000 | $10,000 / $20,000 | Price & Details | |
| Jefferson Health Plans + Total + Bronze + HMO + Off Exchange by Health Partners of Philadelphia Inc. | Off | Bronze | $8,500 / $17,000 | $10,600 / $21,200 | Price & Details | |
| Jefferson Health Plans + $0 Deductible + Bronze + HMO + Off Exchange by Health Partners of Philadelphia Inc. | Off | Bronze | $0 / $0 | $10,600 / $21,200 | Price & Details | |
| my Direct Blue Lehigh Valley EPO Bronze 9200 by Highmark Inc. | Off | Bronze | $9,200 / $18,400 | $9,200 / $18,400 | Price & Details | |
| Personal Choice PPO Bronze by Independence Blue Cross | Off | Bronze | $6,000 / $12,000 | $9,200 / $18,400 | Price & Details | |
| my Blue Access PPO Bronze 3800 + Adult Dental and Vision by Highmark Benefits Group Inc. | Off | Bronze | $3,800 / $7,600 | $9,900 / $19,800 | Price & Details | |
| Keystone HMO Bronze by Independence Blue Cross | Off | Bronze | $8,500 / $17,000 | $9,500 / $19,000 | Price & Details | |
| Personal Choice EPO Bronze Classic by Independence Blue Cross | Off | Bronze | $4,750 / $9,500 | $9,800 / $19,600 | Price & Details | |
| Personal Choice EPO Bronze Classic by Independence Blue Cross | Off | Bronze | $4,750 / $9,500 | $9,800 / $19,600 | Price & Details | |
| my Blue Access PPO Bronze 3800 by Highmark Benefits Group Inc. | Off | Bronze | $3,800 / $7,600 | $9,900 / $19,800 | Price & Details | |
| Personal Choice EPO Bronze Basic by Independence Blue Cross | Off | Bronze | $9,800 / $19,600 | $9,800 / $19,600 | Price & Details | |
| Personal Choice EPO Bronze Basic by Independence Blue Cross | Off | Bronze | $9,800 / $19,600 | $9,800 / $19,600 | Price & Details | |
| Personal Choice EPO Bronze Reserve + HSA Eligible by Independence Blue Cross | Off | Bronze | $7,450 / $14,900 | $7,450 / $14,900 | Price & Details | |
| my Blue Access PPO Bronze 9200 by Highmark Benefits Group Inc. | Off | Bronze | $9,200 / $18,400 | $9,200 / $18,400 | Price & Details | |
| my Blue Access PPO Silver 6000 by Highmark Inc. | Off | Silver | $6,000 / $12,000 | $8,600 / $17,200 | Price & Details | |
| my Blue Access PPO Premier Silver 0 by Highmark Inc. | Off | Silver | $0 / $0 | $9,700 / $19,400 | Price & Details | |
| Keystone HMO Silver Proactive Lite by Independence Blue Cross | Off | Silver | $2,000 / $4,000 | $9,200 / $18,400 | Price & Details | |
| Focused Silver by Ambetter Health | Off | Silver | $6,300 / $12,600 | $8,400 / $16,800 | Price & Details | |
| Together Blue EPO Premier Silver 0 by Highmark Coverage Advantage Inc. | Off | Silver | $0 / $0 | $9,700 / $19,400 | Price & Details | |
| my Blue Access PPO Silver 0 by Highmark Inc. | Off | Silver | $0 / $0 | $9,400 / $18,800 | Price & Details | |
| Together Blue EPO Silver 6000 by Highmark Coverage Advantage Inc. | Off | Silver | $6,000 / $12,000 | $8,600 / $17,200 | Price & Details | |
| my Direct Blue EPO Premier Silver 0 by Highmark Inc. | Off | Silver | $0 / $0 | $9,700 / $19,400 | Price & Details | |
| Focused Silver + Vision + Adult Dental by Ambetter Health | Off | Silver | $6,300 / $12,600 | $8,400 / $16,800 | Price & Details | |
| my Blue Access PPO Silver 6000 by Highmark Inc. | Off | Silver | $6,000 / $12,000 | $8,600 / $17,200 | Price & Details | |
| my Blue Access PPO Premier Silver 0 by Highmark Inc. | Off | Silver | $0 / $0 | $9,700 / $19,400 | Price & Details | |
| Silver Elite Saver Plus by Oscar Health Plan of Pennsylvania, Inc. | Off | Silver | $0 / $0 | $9,700 / $19,400 | Price & Details | |
| Keystone HMO Silver Basic by Independence Blue Cross | Off | Silver | $5,500 / $11,000 | $9,000 / $18,000 | Price & Details | |
| my Priority Blue Flex PPO Premier Silver 0 by Highmark Benefits Group Inc. | Off | Silver | $0 / $0 | $9,700 / $19,400 | Price & Details | |
| Silver Capital Advantage PPO 4450/20/35 by Capital BlueCross | Off | Silver | $4,450 / $8,900 | $8,550 / $17,100 | Price & Details | |
| my Direct Blue EPO Premier Silver 0 by Highmark Inc. | Off | Silver | $0 / $0 | $9,700 / $19,400 | Price & Details | |
| Silver Simple PCP Saver by Oscar Health Plan of Pennsylvania, Inc. | Off | Silver | $5,750 / $11,500 | $9,800 / $19,600 | Price & Details | |
| Keystone HMO Silver Proactive Value by Independence Blue Cross | Off | Silver | $1,500 / $3,000 | $9,200 / $18,400 | Price & Details | |
| Keystone HMO Silver Proactive Basic by Independence Blue Cross | Off | Silver | $2,500 / $5,000 | $9,200 / $18,400 | Price & Details | |
| my Priority Blue Flex PPO Silver 6000 by Highmark Benefits Group Inc. | Off | Silver | $6,000 / $12,000 | $8,400 / $16,800 | Price & Details | |
| Jefferson Health Plans + Balanced + Silver + HMO + Off Exchange by Health Partners of Philadelphia Inc. | Off | Silver | $6,900 / $13,800 | $10,600 / $21,200 | Price & Details | |
| my Direct Blue Lehigh Valley EPO Premier Silver 0 + Adult Dental and Vision by Highmark Inc. | Off | Silver | $0 / $0 | $9,700 / $19,400 | Price & Details | |
| Keystone HMO Silver Proactive Select by Independence Blue Cross | Off | Silver | $0 / $0 | $9,200 / $18,400 | Price & Details | |
| my Direct Blue EPO Premier Silver 0 + Adult Dental and Vision by Highmark Inc. | Off | Silver | $0 / $0 | $9,700 / $19,400 | Price & Details | |
| Jefferson Health Plans + $0 Deductible + Silver + PPO + Off Exchange by Jefferson Health Plans | Off | Silver | $0 / $0 | $10,600 / $21,200 | Price & Details | |
| Together Blue EPO Silver 0 by Highmark Coverage Advantage Inc. | Off | Silver | $0 / $0 | $9,400 / $18,800 | Price & Details | |
| Together Blue EPO Silver 0 + Adult Dental and Vision by Highmark Coverage Advantage Inc. | Off | Silver | $0 / $0 | $9,400 / $18,800 | Price & Details | |
| my Blue Access PPO Silver 0 + Adult Dental and Vision by Highmark Inc. | Off | Silver | $0 / $0 | $9,400 / $18,800 | Price & Details | |
| Silver 203 by Ambetter Health | Off | Silver | $4,450 / $8,900 | $7,250 / $14,500 | Price & Details | |
| Vantage Silver by Ambetter Health | Off | Silver | $5,950 / $11,900 | $10,600 / $21,200 | Price & Details | |
| my Direct Blue EPO Silver 0 + Adult Dental and Vision by Highmark Inc. | Off | Silver | $0 / $0 | $9,400 / $18,800 | Price & Details | |
| Together Blue EPO Premier Silver 0 + Adult Dental and Vision by Highmark Coverage Advantage Inc. | Off | Silver | $0 / $0 | $9,700 / $19,400 | Price & Details | |
| my Direct Blue EPO Silver 6000 by Highmark Inc. | Off | Silver | $6,000 / $12,000 | $8,600 / $17,200 | Price & Details | |
| Silver 201 + HSA by Ambetter Health | Off | Silver | $5,800 / $11,600 | $5,800 / $11,600 | Price & Details | |
| Silver QHDHP PPO 3000/10/40 by Capital BlueCross | Off | Silver | $3,000 / $6,000 | $8,300 / $16,600 | Price & Details | |
| my Direct Blue EPO Silver 0 by Highmark Inc. | Off | Silver | $0 / $0 | $9,400 / $18,800 | Price & Details | |
| Complete Silver by Ambetter Health | Off | Silver | $5,950 / $11,900 | $8,850 / $17,700 | Price & Details | |
| my Blue Access PPO Silver 0 by Highmark Inc. | Off | Silver | $0 / $0 | $9,400 / $18,800 | Price & Details | |
| my Blue Access PPO Premier Silver 0 + Adult Dental and Vision by Highmark Inc. | Off | Silver | $0 / $0 | $9,700 / $19,400 | Price & Details | |
| my Direct Blue EPO Premier Silver 0 + Adult Dental and Vision by Highmark Inc. | Off | Silver | $0 / $0 | $9,700 / $19,400 | Price & Details | |
| my Blue Access PPO Premier Silver 0 by Highmark Inc. | Off | Silver | $0 / $0 | $9,700 / $19,400 | Price & Details | |
| Complete Silver + Vision + Adult Dental by Ambetter Health | Off | Silver | $5,950 / $11,900 | $8,850 / $17,700 | Price & Details | |
| my Blue Access PPO Silver 0 + Adult Dental and Vision by Highmark Inc. | Off | Silver | $0 / $0 | $9,400 / $18,800 | Price & Details | |
| my Blue Access PPO Silver 0 by Highmark Inc. | Off | Silver | $0 / $0 | $9,400 / $18,800 | Price & Details | |
| my Blue Access PPO Premier Silver 0 + Adult Dental and Vision by Highmark Inc. | Off | Silver | $0 / $0 | $9,700 / $19,400 | Price & Details | |
| Silver PPO 3450/0/40 Rx 250 by Capital BlueCross | Off | Silver | $3,450 / $6,900 | $8,700 / $17,400 | Price & Details | |
| my Priority Blue Flex PPO Silver 0 + Adult Dental and Vision by Highmark Benefits Group Inc. | Off | Silver | $0 / $0 | $9,400 / $18,800 | Price & Details | |
| my Direct Blue EPO Silver 0 + Adult Dental and Vision by Highmark Inc. | Off | Silver | $0 / $0 | $9,400 / $18,800 | Price & Details | |
| my Blue Access PPO Premier Silver 0 + Adult Dental and Vision by Highmark Inc. | Off | Silver | $0 / $0 | $9,700 / $19,400 | Price & Details | |
| my Direct Blue EPO Silver 0 by Highmark Inc. | Off | Silver | $0 / $0 | $9,400 / $18,800 | Price & Details | |
| Silver Advance PPO 4500/20/35 by Capital BlueCross | Off | Silver | $4,500 / $9,000 | $8,550 / $17,100 | Price & Details | |
| my Blue Access PPO Silver 0 + Adult Dental and Vision by Highmark Inc. | Off | Silver | $0 / $0 | $9,400 / $18,800 | Price & Details | |
| Silver Classic by Oscar Health Plan of Pennsylvania, Inc. | Off | Silver | $5,600 / $11,200 | $8,900 / $17,800 | Price & Details | |
| my Blue Access PPO Silver 6000 by Highmark Inc. | Off | Silver | $6,000 / $12,000 | $8,600 / $17,200 | Price & Details | |
| my Priority Blue Flex PPO Silver 0 by Highmark Benefits Group Inc. | Off | Silver | $0 / $0 | $9,400 / $18,800 | Price & Details | |
| my Priority Blue Flex PPO Premier Silver 0 + Adult Dental and Vision by Highmark Benefits Group Inc. | Off | Silver | $0 / $0 | $9,700 / $19,400 | Price & Details | |
| Silver PPO 3500/0/40 Rx 250 by Capital BlueCross | Off | Silver | $3,500 / $7,000 | $8,700 / $17,400 | Price & Details | |
| my Direct Blue EPO Silver 6000 by Highmark Inc. | Off | Silver | $6,000 / $12,000 | $8,600 / $17,200 | Price & Details | |
| Silver QHDHP Advance PPO 3000/10/35 by Capital BlueCross | Off | Silver | $3,000 / $6,000 | $8,300 / $16,600 | Price & Details | |
| Silver Capital Advantage PPO 4500/20/35 by Capital BlueCross | Off | Silver | $4,500 / $9,000 | $8,550 / $17,100 | Price & Details | |
| Silver Convenience PPO 4450/20/35 by Capital BlueCross | Off | Silver | $4,450 / $8,900 | $8,550 / $17,100 | Price & Details | |
| Silver Convenience PPO 4500/20/35 by Capital BlueCross | Off | Silver | $4,500 / $9,000 | $8,550 / $17,100 | Price & Details | |
| Silver Advance PPO 4450/20/35 by Capital BlueCross | Off | Silver | $4,450 / $8,900 | $8,550 / $17,100 | Price & Details | |
| Jefferson Health Plans + Total + Silver + HMO + Off Exchange by Health Partners of Philadelphia Inc. | Off | Silver | $5,500 / $11,000 | $10,600 / $21,200 | Price & Details | |
| Jefferson Health Plans + Total + Silver + PPO + Off Exchange by Jefferson Health Plans | Off | Silver | $4,900 / $9,800 | $10,600 / $21,200 | Price & Details | |
| Keystone HMO Silver Proactive by Independence Blue Cross | Off | Silver | $0 / $0 | $9,200 / $18,400 | Price & Details | |
| my Direct Blue Lehigh Valley EPO Silver 0 by Highmark Inc. | Off | Silver | $0 / $0 | $9,400 / $18,800 | Price & Details | |
| my Direct Blue Lehigh Valley EPO Silver 6000 by Highmark Inc. | Off | Silver | $6,000 / $12,000 | $8,600 / $17,200 | Price & Details | |
| Keystone HMO Silver Essential by Independence Blue Cross | Off | Silver | $5,000 / $10,000 | $9,000 / $18,000 | Price & Details | |
| my Blue Access PPO Silver 0 by Highmark Benefits Group Inc. | Off | Silver | $0 / $0 | $9,400 / $18,800 | Price & Details | |
| my Blue Access PPO Silver 0 + Adult Dental and Vision by Highmark Benefits Group Inc. | Off | Silver | $0 / $0 | $9,400 / $18,800 | Price & Details | |
| Jefferson Health Plans + Balanced + Silver + PPO + Off Exchange by Jefferson Health Plans | Off | Silver | $2,900 / $5,800 | $10,600 / $21,200 | Price & Details | |
| my Direct Blue Lehigh Valley EPO Premier Silver 0 by Highmark Inc. | Off | Silver | $0 / $0 | $9,700 / $19,400 | Price & Details | |
| my Blue Access PPO Premier Silver 0 + Adult Dental and Vision by Highmark Benefits Group Inc. | Off | Silver | $0 / $0 | $9,700 / $19,400 | Price & Details | |
| Jefferson Health Plans + $0 Deductible + Silver + HMO + Off Exchange by Health Partners of Philadelphia Inc. | Off | Silver | $0 / $0 | $10,600 / $21,200 | Price & Details | |
| Keystone HMO Silver Proactive Essential by Independence Blue Cross | Off | Silver | $5,000 / $10,000 | $9,200 / $18,400 | Price & Details | |
| Personal Choice PPO Silver Basic by Independence Blue Cross | Off | Silver | $4,000 / $8,000 | $8,500 / $17,000 | Price & Details | |
| Keystone HMO Silver Classic by Independence Blue Cross | Off | Silver | $3,500 / $7,000 | $8,500 / $17,000 | Price & Details | |
| Personal Choice PPO Silver Classic by Independence Blue Cross | Off | Silver | $3,500 / $7,000 | $8,250 / $16,500 | Price & Details | |
| my Blue Access PPO Silver 6000 by Highmark Benefits Group Inc. | Off | Silver | $6,000 / $12,000 | $8,600 / $17,200 | Price & Details | |
| my Direct Blue Lehigh Valley EPO Silver 0 + Adult Dental and Vision by Highmark Inc. | Off | Silver | $0 / $0 | $9,400 / $18,800 | Price & Details | |
| my Blue Access PPO Premier Silver 0 by Highmark Benefits Group Inc. | Off | Silver | $0 / $0 | $9,700 / $19,400 | Price & Details | |
| my Blue Access PPO Gold 1500 by Highmark Inc. | Off | Gold | $1,500 / $3,000 | $8,300 / $16,600 | Price & Details | |
| my Blue Access PPO Gold 0 + Adult Dental and Vision by Highmark Inc. | Off | Gold | $0 / $0 | $7,500 / $15,000 | Price & Details | |
| my Blue Access PPO Gold 1500 by Highmark Inc. | Off | Gold | $1,500 / $3,000 | $8,300 / $16,600 | Price & Details | |
| my Blue Access PPO Premier Gold 0 by Highmark Inc. | Off | Gold | $0 / $0 | $6,900 / $13,800 | Price & Details | |
| Gold PPO 2900/10/30 by Capital BlueCross | Off | Gold | $2,900 / $5,800 | $6,250 / $12,500 | Price & Details | |
| Gold Simple PPO 0/0/25 by Capital BlueCross | Off | Gold | $0 / $0 | $8,550 / $17,100 | Price & Details | |
| Personal Choice PPO Gold Preferred by Independence Blue Cross | Off | Gold | $0 / $0 | $8,500 / $17,000 | Price & Details | |
| Keystone HMO Gold Proactive by Independence Blue Cross | Off | Gold | $0 / $0 | $9,200 / $18,400 | Price & Details | |
| Together Blue Virtual Choice EPO Gold 1500 + Adult Dental and Vision by Highmark Coverage Advantage Inc. | Off | Gold | $1,500 / $3,000 | $8,300 / $16,600 | Price & Details | |
| Together Blue EPO Gold 0 + Adult Dental and Vision by Highmark Coverage Advantage Inc. | Off | Gold | $0 / $0 | $7,500 / $15,000 | Price & Details | |
| Together Blue EPO Premier Gold 0 by Highmark Coverage Advantage Inc. | Off | Gold | $0 / $0 | $6,900 / $13,800 | Price & Details | |
| Together Blue EPO Gold 0 by Highmark Coverage Advantage Inc. | Off | Gold | $0 / $0 | $7,500 / $15,000 | Price & Details | |
| Together Blue EPO Gold 1700 HSA by Highmark Coverage Advantage Inc. | Off | Gold | $1,700 / $3,400 | $7,500 / $15,000 | Price & Details | |
| my Direct Blue EPO Gold 0 + Adult Dental and Vision by Highmark Inc. | Off | Gold | $0 / $0 | $7,500 / $15,000 | Price & Details | |
| Gold 202 by Ambetter Health | Off | Gold | $2,000 / $4,000 | $6,000 / $12,000 | Price & Details | |
| my Blue Access PPO Gold 0 by Highmark Inc. | Off | Gold | $0 / $0 | $7,500 / $15,000 | Price & Details | |
| Gold PPO 1800/10/20 by Capital BlueCross | Off | Gold | $1,800 / $3,600 | $8,550 / $17,100 | Price & Details | |
| my Direct Blue EPO Gold 1500 + Adult Dental and Vision by Highmark Inc. | Off | Gold | $1,500 / $3,000 | $8,300 / $16,600 | Price & Details | |
| Gold Classic by Oscar Health Plan of Pennsylvania, Inc. | Off | Gold | $3,800 / $7,600 | $7,500 / $15,000 | Price & Details | |
| Jefferson Health Plans + Total + Gold + HMO + Off Exchange by Health Partners of Philadelphia Inc. | Off | Gold | $1,000 / $2,000 | $10,600 / $21,200 | Price & Details | |
| my Direct Blue Lehigh Valley EPO Gold 1700 HSA by Highmark Inc. | Off | Gold | $1,700 / $3,400 | $7,500 / $15,000 | Price & Details | |
| Gold Convenience PPO 1800/0/25 by Capital BlueCross | Off | Gold | $1,800 / $3,600 | $8,550 / $17,100 | Price & Details | |
| my Direct Blue EPO Gold 0 by Highmark Inc. | Off | Gold | $0 / $0 | $7,500 / $15,000 | Price & Details | |
| Keystone HMO Gold Classic by Independence Blue Cross | Off | Gold | $500 / $1,000 | $8,000 / $16,000 | Price & Details | |
| Personal Choice PPO Gold Classic by Independence Blue Cross | Off | Gold | $1,250 / $2,500 | $9,200 / $18,400 | Price & Details | |
| Gold Capital Advantage PPO 3000/0/30 by Capital BlueCross | Off | Gold | $3,000 / $6,000 | $6,100 / $12,200 | Price & Details | |
| my Direct Blue EPO Premier Gold 0 by Highmark Inc. | Off | Gold | $0 / $0 | $6,900 / $13,800 | Price & Details | |
| my Direct Blue Lehigh Valley EPO Premier Gold 0 + Adult Dental and Vision by Highmark Inc. | Off | Gold | $0 / $0 | $6,900 / $13,800 | Price & Details | |
| Keystone HMO Gold Proactive Value by Independence Blue Cross | Off | Gold | $0 / $0 | $9,400 / $18,800 | Price & Details | |
| my Blue Access PPO Gold 0 + Adult Dental and Vision by Highmark Benefits Group Inc. | Off | Gold | $0 / $0 | $7,500 / $15,000 | Price & Details | |
| my Direct Blue EPO Premier Gold 0 + Adult Dental and Vision by Highmark Inc. | Off | Gold | $0 / $0 | $6,900 / $13,800 | Price & Details | |
| Gold 201 + HSA by Ambetter Health | Off | Gold | $3,400 / $6,800 | $3,400 / $6,800 | Price & Details | |
| my Direct Blue EPO Gold 1500 by Highmark Inc. | Off | Gold | $1,500 / $3,000 | $8,300 / $16,600 | Price & Details | |
| my Blue Access PPO Gold 0 by Highmark Inc. | Off | Gold | $0 / $0 | $7,500 / $15,000 | Price & Details | |
| Complete Gold by Ambetter Health | Off | Gold | $1,450 / $2,900 | $7,500 / $15,000 | Price & Details | |
| Together Blue EPO Premier Gold 0 + Adult Dental and Vision by Highmark Coverage Advantage Inc. | Off | Gold | $0 / $0 | $6,900 / $13,800 | Price & Details | |
| my Blue Access PPO Gold 1700 HSA by Highmark Inc. | Off | Gold | $1,700 / $3,400 | $7,500 / $15,000 | Price & Details | |
| my Blue Access PPO Premier Gold 0 + Adult Dental and Vision by Highmark Inc. | Off | Gold | $0 / $0 | $6,900 / $13,800 | Price & Details | |
| Together Blue Virtual Choice EPO Gold 1500 by Highmark Coverage Advantage Inc. | Off | Gold | $1,500 / $3,000 | $8,300 / $16,600 | Price & Details | |
| my Direct Blue EPO Premier Gold 0 by Highmark Inc. | Off | Gold | $0 / $0 | $6,900 / $13,800 | Price & Details | |
| my Blue Access PPO Gold 1500 + Adult Dental and Vision by Highmark Inc. | Off | Gold | $1,500 / $3,000 | $8,300 / $16,600 | Price & Details | |
| my Blue Access PPO Premier Gold 0 by Highmark Inc. | Off | Gold | $0 / $0 | $6,900 / $13,800 | Price & Details | |
| my Blue Access PPO Gold 1700 HSA by Highmark Inc. | Off | Gold | $1,700 / $3,400 | $7,500 / $15,000 | Price & Details | |
| my Blue Access PPO Premier Gold 0 by Highmark Inc. | Off | Gold | $0 / $0 | $6,900 / $13,800 | Price & Details | |
| Complete Gold + Vision + Adult Dental by Ambetter Health | Off | Gold | $1,450 / $2,900 | $7,500 / $15,000 | Price & Details | |
| my Blue Access PPO Premier Gold 0 + Adult Dental and Vision by Highmark Inc. | Off | Gold | $0 / $0 | $6,900 / $13,800 | Price & Details | |
| my Direct Blue EPO Gold 1700 HSA by Highmark Inc. | Off | Gold | $1,700 / $3,400 | $7,500 / $15,000 | Price & Details | |
| my Direct Blue EPO Gold 1500 + Adult Dental and Vision by Highmark Inc. | Off | Gold | $1,500 / $3,000 | $8,300 / $16,600 | Price & Details | |
| my Direct Blue EPO Gold 0 by Highmark Inc. | Off | Gold | $0 / $0 | $7,500 / $15,000 | Price & Details | |
| my Blue Access PPO Gold 1500 by Highmark Inc. | Off | Gold | $1,500 / $3,000 | $8,300 / $16,600 | Price & Details | |
| my Blue Access PPO Gold 0 + Adult Dental and Vision by Highmark Inc. | Off | Gold | $0 / $0 | $7,500 / $15,000 | Price & Details | |
| Everyday Gold by Ambetter Health | Off | Gold | $800 / $1,600 | $7,250 / $14,500 | Price & Details | |
| Everyday Gold + Vision + Adult Dental by Ambetter Health | Off | Gold | $800 / $1,600 | $7,250 / $14,500 | Price & Details | |
| my Blue Access PPO Gold 1500 + Adult Dental and Vision by Highmark Inc. | Off | Gold | $1,500 / $3,000 | $8,300 / $16,600 | Price & Details | |
| my Priority Blue Flex PPO Gold 0 by Highmark Benefits Group Inc. | Off | Gold | $0 / $0 | $7,500 / $15,000 | Price & Details | |
| my Direct Blue EPO Premier Gold 0 + Adult Dental and Vision by Highmark Inc. | Off | Gold | $0 / $0 | $6,900 / $13,800 | Price & Details | |
| Gold Convenience PPO 3000/0/30 by Capital BlueCross | Off | Gold | $3,000 / $6,000 | $6,100 / $12,200 | Price & Details | |
| my Blue Access PPO Gold 1700 HSA by Highmark Inc. | Off | Gold | $1,700 / $3,400 | $7,500 / $15,000 | Price & Details | |
| my Priority Blue Flex PPO Gold 1500 by Highmark Benefits Group Inc. | Off | Gold | $1,500 / $3,000 | $8,300 / $16,600 | Price & Details | |
| my Priority Blue Flex PPO Premier Gold 0 + Adult Dental and Vision by Highmark Benefits Group Inc. | Off | Gold | $0 / $0 | $6,900 / $13,800 | Price & Details | |
| Gold Elite Saver Plus by Oscar Health Plan of Pennsylvania, Inc. | Off | Gold | $0 / $0 | $8,500 / $17,000 | Price & Details | |
| Gold QHDHP PPO 1800/0/10 by Capital BlueCross | Off | Gold | $1,800 / $3,600 | $6,900 / $13,800 | Price & Details | |
| my Blue Access PPO Premier Gold 0 + Adult Dental and Vision by Highmark Inc. | Off | Gold | $0 / $0 | $6,900 / $13,800 | Price & Details | |
| my Priority Blue Flex PPO Gold 1700 HSA by Highmark Benefits Group Inc. | Off | Gold | $1,700 / $3,400 | $7,200 / $14,400 | Price & Details | |
| my Priority Blue Flex PPO Gold 0 + Adult Dental and Vision by Highmark Benefits Group Inc. | Off | Gold | $0 / $0 | $7,500 / $15,000 | Price & Details | |
| Gold Advance PPO 1800/0/25 by Capital BlueCross | Off | Gold | $1,800 / $3,600 | $8,550 / $17,100 | Price & Details | |
| my Blue Access PPO Gold 0 by Highmark Inc. | Off | Gold | $0 / $0 | $7,500 / $15,000 | Price & Details | |
| my Direct Blue EPO Gold 1700 HSA by Highmark Inc. | Off | Gold | $1,700 / $3,400 | $7,500 / $15,000 | Price & Details | |
| my Direct Blue EPO Gold 0 + Adult Dental and Vision by Highmark Inc. | Off | Gold | $0 / $0 | $7,500 / $15,000 | Price & Details | |
| Gold Advance PPO 3000/0/30 by Capital BlueCross | Off | Gold | $3,000 / $6,000 | $6,100 / $12,200 | Price & Details | |
| my Blue Access PPO Gold 1500 + Adult Dental and Vision by Highmark Inc. | Off | Gold | $1,500 / $3,000 | $8,300 / $16,600 | Price & Details | |
| my Blue Access PPO Gold 0 + Adult Dental and Vision by Highmark Inc. | Off | Gold | $0 / $0 | $7,500 / $15,000 | Price & Details | |
| my Direct Blue EPO Gold 1500 by Highmark Inc. | Off | Gold | $1,500 / $3,000 | $8,300 / $16,600 | Price & Details | |
| my Priority Blue Flex PPO Gold 1500 + Adult Dental and Vision by Highmark Benefits Group Inc. | Off | Gold | $1,500 / $3,000 | $8,300 / $16,600 | Price & Details | |
| my Priority Blue Flex PPO Premier Gold 0 by Highmark Benefits Group Inc. | Off | Gold | $0 / $0 | $6,900 / $13,800 | Price & Details | |
| Gold Capital Advantage PPO 1800/0/25 by Capital BlueCross | Off | Gold | $1,800 / $3,600 | $8,550 / $17,100 | Price & Details | |
| Gold Elite by Oscar Health Plan of Pennsylvania, Inc. | Off | Gold | $500 / $1,000 | $6,000 / $12,000 | Price & Details | |
| Gold QHDHP Advance PPO 1800/0/10 by Capital BlueCross | Off | Gold | $1,800 / $3,600 | $6,900 / $13,800 | Price & Details | |
| Jefferson Health Plans + Value + Gold + HMO + Off Exchange by Health Partners of Philadelphia Inc. | Off | Gold | $2,000 / $4,000 | $10,600 / $21,200 | Price & Details | |
| Jefferson Health Plans + Total + Gold + PPO + Off Exchange by Jefferson Health Plans | Off | Gold | $500 / $1,000 | $10,600 / $21,200 | Price & Details | |
| Jefferson Health Plans + Value + Gold + PPO + Off Exchange by Jefferson Health Plans | Off | Gold | $1,500 / $3,000 | $10,600 / $21,200 | Price & Details | |
| Jefferson Health Plans + $0 Deductible + Gold + HMO + Off Exchange by Health Partners of Philadelphia Inc. | Off | Gold | $0 / $0 | $10,600 / $21,200 | Price & Details | |
| my Direct Blue Lehigh Valley EPO Gold 0 by Highmark Inc. | Off | Gold | $0 / $0 | $7,500 / $15,000 | Price & Details | |
| my Blue Access PPO Gold 1500 by Highmark Benefits Group Inc. | Off | Gold | $1,500 / $3,000 | $8,300 / $16,600 | Price & Details | |
| Keystone HMO Gold Proactive by Independence Blue Cross | Off | Gold | $0 / $0 | $9,200 / $18,400 | Price & Details | |
| my Blue Access PPO Premier Gold 0 + Adult Dental and Vision by Highmark Benefits Group Inc. | Off | Gold | $0 / $0 | $6,900 / $13,800 | Price & Details | |
| Personal Choice PPO Gold by Independence Blue Cross | Off | Gold | $0 / $0 | $8,250 / $16,500 | Price & Details | |
| Personal Choice PPO Gold Preferred by Independence Blue Cross | Off | Gold | $0 / $0 | $8,500 / $17,000 | Price & Details | |
| Jefferson Health Plans + $0 Deductible + Gold + PPO + Off Exchange by Jefferson Health Plans | Off | Gold | $0 / $0 | $10,600 / $21,200 | Price & Details | |
| my Blue Access PPO Gold 1500 + Adult Dental and Vision by Highmark Benefits Group Inc. | Off | Gold | $1,500 / $3,000 | $8,300 / $16,600 | Price & Details | |
| my Blue Access PPO Premier Gold 0 by Highmark Benefits Group Inc. | Off | Gold | $0 / $0 | $6,900 / $13,800 | Price & Details | |
| Keystone HMO Gold by Independence Blue Cross | Off | Gold | $0 / $0 | $8,000 / $16,000 | Price & Details | |
| my Direct Blue Lehigh Valley EPO Gold 1500 + Adult Dental and Vision by Highmark Inc. | Off | Gold | $1,500 / $3,000 | $8,300 / $16,600 | Price & Details | |
| Keystone HMO Gold Proactive Value by Independence Blue Cross | Off | Gold | $0 / $0 | $9,400 / $18,800 | Price & Details | |
| my Blue Access PPO Gold 0 by Highmark Benefits Group Inc. | Off | Gold | $0 / $0 | $7,500 / $15,000 | Price & Details | |
| my Direct Blue Lehigh Valley EPO Gold 1500 by Highmark Inc. | Off | Gold | $1,500 / $3,000 | $8,300 / $16,600 | Price & Details | |
| my Direct Blue Lehigh Valley EPO Premier Gold 0 by Highmark Inc. | Off | Gold | $0 / $0 | $6,900 / $13,800 | Price & Details | |
| my Direct Blue Lehigh Valley EPO Gold 0 + Adult Dental and Vision by Highmark Inc. | Off | Gold | $0 / $0 | $7,500 / $15,000 | Price & Details | |
| my Blue Access PPO Gold 1700 HSA by Highmark Benefits Group Inc. | Off | Gold | $1,700 / $3,400 | $7,500 / $15,000 | Price & Details | |
| Keystone HMO Gold by Independence Blue Cross | Off | Gold | $0 / $0 | $8,000 / $16,000 | Price & Details | |
| Personal Choice PPO Gold by Independence Blue Cross | Off | Gold | $0 / $0 | $8,250 / $16,500 | Price & Details | |
| my Blue Access PPO Premier Platinum 0 by Highmark Inc. | Off | Platinum | $0 / $0 | $5,000 / $10,000 | Price & Details | |
| my Blue Access PPO Premier Platinum 0 by Highmark Inc. | Off | Platinum | $0 / $0 | $5,000 / $10,000 | Price & Details | |
| my Blue Access PPO Premier Platinum 0 + Adult Dental and Vision by Highmark Inc. | Off | Platinum | $0 / $0 | $5,000 / $10,000 | Price & Details | |
| my Priority Blue Flex PPO Premier Platinum 0 + Adult Dental and Vision by Highmark Benefits Group Inc. | Off | Platinum | $0 / $0 | $5,000 / $10,000 | Price & Details | |
| my Priority Blue Flex PPO Premier Platinum 0 by Highmark Benefits Group Inc. | Off | Platinum | $0 / $0 | $5,000 / $10,000 | Price & Details | |
| my Direct Blue Lehigh Valley EPO Premier Platinum 0 by Highmark Inc. | Off | Platinum | $0 / $0 | $5,000 / $10,000 | Price & Details | |
| my Direct Blue EPO Premier Platinum 0 + Adult Dental and Vision by Highmark Inc. | Off | Platinum | $0 / $0 | $5,000 / $10,000 | Price & Details | |
| Together Blue EPO Premier Platinum 0 + Adult Dental and Vision by Highmark Coverage Advantage Inc. | Off | Platinum | $0 / $0 | $5,000 / $10,000 | Price & Details | |
| Together Blue EPO Premier Platinum 0 by Highmark Coverage Advantage Inc. | Off | Platinum | $0 / $0 | $5,000 / $10,000 | Price & Details | |
| my Direct Blue EPO Premier Platinum 0 by Highmark Inc. | Off | Platinum | $0 / $0 | $5,000 / $10,000 | Price & Details | |
| my Blue Access PPO Premier Platinum 0 + Adult Dental and Vision by Highmark Inc. | Off | Platinum | $0 / $0 | $5,000 / $10,000 | Price & Details | |
| my Blue Access PPO Premier Platinum 0 by Highmark Inc. | Off | Platinum | $0 / $0 | $5,000 / $10,000 | Price & Details | |
| my Direct Blue EPO Premier Platinum 0 + Adult Dental and Vision by Highmark Inc. | Off | Platinum | $0 / $0 | $5,000 / $10,000 | Price & Details | |
| my Direct Blue EPO Premier Platinum 0 by Highmark Inc. | Off | Platinum | $0 / $0 | $5,000 / $10,000 | Price & Details | |
| my Blue Access PPO Premier Platinum 0 + Adult Dental and Vision by Highmark Inc. | Off | Platinum | $0 / $0 | $5,000 / $10,000 | Price & Details | |
| my Blue Access PPO Premier Platinum 0 + Adult Dental and Vision by Highmark Benefits Group Inc. | Off | Platinum | $0 / $0 | $5,000 / $10,000 | Price & Details | |
| my Direct Blue Lehigh Valley EPO Premier Platinum 0 + Adult Dental and Vision by Highmark Inc. | Off | Platinum | $0 / $0 | $5,000 / $10,000 | Price & Details | |
| my Blue Access PPO Premier Platinum 0 by Highmark Benefits Group Inc. | Off | Platinum | $0 / $0 | $5,000 / $10,000 | Price & Details |
Help with Obamacare & Off-Exchange Plans Sign Up
After using a subsidy tax credit, you may be eligible for Obamacare plans as low as $0.
Licensed insurance agents at our trusted partner help people apply for a subsidy and sign up for Obamacare plans available on healthcare.gov or other State exchange marketplaces.
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Learn More About Obamacare and Off-Exchange Plans in Pennsylvania
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