Plan Name On or Off Exchange Plan eligible for subsidy? Metal Level Deductible (individual/family) Out-of-pocket Max (individual/family)
OptimaFit Bronze 7200 20% M
by Optima Health Plan
Both bronze $7,200 / $14,400 $7,350 / $14,700 Price & Details
OptimaFit Bronze 6000 HSA M
by Optima Health Plan
Both bronze $6,000 / $12,000 $6,550 / $13,100 Price & Details
OptimaFit Bronze 7200 20% M Select
by Optima Health Plan
Both bronze $7,200 / $14,400 $7,350 / $14,700 Price & Details
Anthem HealthKeepers Bronze X 4900 for HSA
by HealthKeepers, Inc.
Both bronze $4,900 / $9,800 $6,650 / $13,300 Price & Details
Anthem HealthKeepers Bronze X 5250
by HealthKeepers, Inc.
Both bronze $5,250 / $10,500 $7,350 / $14,700 Price & Details
Cigna Connect 6400
by Cigna Health and Life Insurance Company
Both bronze $6,400 / $12,800 $7,350 / $14,700 Price & Details
Cigna Connect 6000
by Cigna Health and Life Insurance Company
Both bronze $6,000 / $12,000 $7,350 / $14,700 Price & Details
Cigna Connect 6000
by Cigna Health and Life Insurance Company
Both bronze $6,000 / $12,000 $7,350 / $14,700 Price & Details
Anthem HealthKeepers Bronze X 5900
by HealthKeepers, Inc.
Both bronze $5,900 / $11,800 $7,350 / $14,700 Price & Details
Bronze 6200 POS HMO
by Piedmont Community HealthCare HMO, Inc.
Obamacare bronze $6,200 / $12,400 $7,350 / $14,700 Price & Details
Bronze HSA 5000 POS HMO
by Piedmont Community HealthCare HMO, Inc.
Obamacare bronze $5,000 / $10,000 $6,550 / $13,100 Price & Details
Bronze HSA 6000 POS HMO
by Piedmont Community HealthCare HMO, Inc.
Obamacare bronze $6,000 / $12,000 $6,550 / $13,100 Price & Details
Bronze 5400 POS HMO
by Piedmont Community HealthCare HMO, Inc.
Obamacare bronze $5,400 / $10,800 $7,350 / $14,700 Price & Details
Bronze Standard 6650 POS HMO
by Piedmont Community HealthCare HMO, Inc.
Obamacare bronze $6,650 / $13,300 $7,350 / $14,700 Price & Details
KP VA Bronze 5500/50/Dental
by Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc.
Obamacare bronze $5,500 / $11,000 $7,350 / $14,700 Price & Details
Anthem HealthKeepers Bronze X 6500
by HealthKeepers, Inc.
Both bronze $6,500 / $13,000 $7,350 / $14,700 Price & Details
Cigna Connect 6400
by Cigna Health and Life Insurance Company
Both bronze $6,400 / $12,800 $7,350 / $14,700 Price & Details
Cigna Connect 4500
by Cigna Health and Life Insurance Company
Both silver $4,500 / $9,000 $7,350 / $14,700 Price & Details
Anthem HealthKeepers Silver X 5500
by HealthKeepers, Inc.
Both silver $5,500 / $11,000 $6,700 / $13,400 Price & Details
Anthem HealthKeepers Silver X 1800
by HealthKeepers, Inc.
Both silver $1,800 / $3,600 $7,350 / $14,700 Price & Details
Anthem HealthKeepers Silver X 3500
by HealthKeepers, Inc.
Both silver $3,500 / $7,000 $7,350 / $14,700 Price & Details
Anthem HealthKeepers Silver X 2800
by HealthKeepers, Inc.
Both silver $2,800 / $5,600 $7,350 / $14,700 Price & Details
KP VA Silver 3000/30/Dental
by Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc.
Obamacare silver $3,000 / $6,000 $7,350 / $14,700 Price & Details
BlueChoice HMO Silver $3,500
by CareFirst BlueChoice, Inc.
Obamacare silver $3,500 / $7,000 $6,850 / $13,700 Price & Details
BluePreferred Silver $3,500
by Group Hospitalization and Medical Services Inc.
Obamacare silver $3,500 / $7,000 $7,350 / $14,700 Price & Details
KP VA Silver 2000/30/Dental
by Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc.
Obamacare silver $2,000 / $4,000 $7,350 / $14,700 Price & Details
OptimaFit Silver 4600 20% M
by Optima Health Plan
Both silver $4,600 / $9,200 $7,350 / $14,700 Price & Details
OptimaFit Silver 2850 20% HSA M
by Optima Health Plan
Both silver $2,850 / $5,700 $5,600 / $11,200 Price & Details
KP VA Silver 2750/20%/HSA/Dental
by Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc.
Obamacare silver $2,750 / $5,500 $5,000 / $10,000 Price & Details
KP VA Standard Silver 3500/30/Dental
by Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc.
Obamacare silver $3,500 / $7,000 $7,350 / $14,700 Price & Details
KP VA Silver 6000/35/Dental
by Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc.
Obamacare silver $6,000 / $12,000 $7,350 / $14,700 Price & Details
Silver 6000/20% POS HMO
by Piedmont Community HealthCare HMO, Inc.
Obamacare silver $6,000 / $12,000 $7,350 / $14,700 Price & Details
Silver 4000/40/20% POS HMO
by Piedmont Community HealthCare HMO, Inc.
Obamacare silver $4,000 / $8,000 $7,000 / $14,000 Price & Details
Silver 3000/25% POS HMO
by Piedmont Community HealthCare HMO, Inc.
Obamacare silver $3,000 / $6,000 $7,350 / $14,700 Price & Details
Cigna Connect 6500
by Cigna Health and Life Insurance Company
Both silver $6,500 / $13,000 $7,350 / $14,700 Price & Details
Cigna Connect 4500
by Cigna Health and Life Insurance Company
Both silver $4,500 / $9,000 $7,350 / $14,700 Price & Details
Anthem HealthKeepers Silver X 6100
by HealthKeepers, Inc.
Both silver $6,100 / $12,200 $7,350 / $14,700 Price & Details
Cigna Connect 6500
by Cigna Health and Life Insurance Company
Both silver $6,500 / $13,000 $7,350 / $14,700 Price & Details
HealthyBlue HMO Gold $1,000
by CareFirst BlueChoice, Inc.
Obamacare gold $1,000 / $2,000 $4,500 / $13,000 Price & Details
Anthem HealthKeepers Gold X 1100
by HealthKeepers, Inc.
Both gold $1,100 / $3,300 $7,150 / $14,300 Price & Details
HealthyBlue PPO Gold $1,000
by Group Hospitalization and Medical Services Inc.
Obamacare gold $1,000 / $2,000 $6,500 / $13,000 Price & Details
Gold 1500/30/50 POS HMO
by Piedmont Community HealthCare HMO, Inc.
Obamacare gold $1,500 / $4,500 $5,500 / $11,000 Price & Details
OptimaFit Gold 1500 M
by Optima Health Plan
Obamacare gold $1,500 / $3,000 $7,350 / $14,700 Price & Details
KP VA Gold 0/20/Dental
by Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc.
Obamacare gold $0 / $0 $6,850 / $13,700 Price & Details
KP VA Gold 1000/20/Dental
by Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc.
Obamacare gold $1,000 / $2,000 $6,850 / $13,700 Price & Details
Cigna Connect 1200
by Cigna Health and Life Insurance Company
Both gold $1,200 / $2,400 $7,350 / $14,700 Price & Details
Cigna Connect 1200
by Cigna Health and Life Insurance Company
Both gold $1,200 / $2,400 $7,350 / $14,700 Price & Details
KP VA Gold 1500/20/Dental
by Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc.
Obamacare gold $1,500 / $3,000 $6,850 / $13,700 Price & Details
KP VA Platinum 0/5/Dental
by Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc.
Obamacare platinum $0 / $0 $4,000 / $8,000 Price & Details
KP VA Catastrophic 7350/0/Dental
by Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc.
Off catastrophic $7,350 / $14,700 $7,350 / $14,700 Price & Details
BlueChoice HMO Young Adult $7,350
by CareFirst BlueChoice, Inc.
Off catastrophic $7,350 / $14,700 $7,350 / $14,700 Price & Details
Catastrophic 7350 POS HMO
by Piedmont Community HealthCare HMO, Inc.
Obamacare catastrophic $7,350 / $14,700 $7,350 / $14,700 Price & Details
BlueChoice HMO Young Adult $7,350
by CareFirst BlueChoice, Inc.
Obamacare catastrophic $7,350 / $14,700 $7,350 / $14,700 Price & Details
OptimaFit Catastrophic 7350 M
by Optima Health Plan
Both catastrophic $7,350 / $14,700 $7,350 / $14,700 Price & Details
KP VA Catastrophic 7350/0/Dental
by Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc.
Obamacare catastrophic $7,350 / $14,700 $7,350 / $14,700 Price & Details
Anthem HealthKeepers Catastrophic X 7350
by HealthKeepers, Inc.
Both catastrophic $7,350 / $14,700 $7,350 / $14,700 Price & Details
KP VA Bronze 5500/50/Dental
by Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc.
Off bronze $5,500 / $11,000 $7,350 / $14,700 Price & Details
BlueChoice HMO Silver $3,500
by CareFirst BlueChoice, Inc.
Off silver $3,500 / $7,000 $6,850 / $13,700 Price & Details
OptimaFit Silver 3500 30
by Optima Health Plan
Off silver $3,500 / $7,000 $6,850 / $13,700 Price & Details
OptimaFit Silver 2200 HSA
by Optima Health Plan
Off silver $2,200 / $4,400 $6,500 / $13,000 Price & Details
KP VA Silver 6000/35/Dental
by Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc.
Off silver $6,000 / $12,000 $7,350 / $14,700 Price & Details
KP VA Silver 2750/20%/HSA/Dental
by Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc.
Off silver $2,750 / $5,500 $5,000 / $10,000 Price & Details
KP VA Silver 3000/30/Dental
by Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc.
Off silver $3,000 / $6,000 $7,350 / $14,700 Price & Details
KP VA Silver 2000/30/Dental
by Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc.
Off silver $2,000 / $4,000 $7,350 / $14,700 Price & Details
KP VA Standard Silver 3500/30/Dental
by Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc.
Off silver $3,500 / $7,000 $7,350 / $14,700 Price & Details
HealthyBlue HMO Gold $1,000
by CareFirst BlueChoice, Inc.
Off gold $1,000 / $2,000 $4,500 / $13,000 Price & Details
KP VA Gold 1000/20/Dental
by Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc.
Off gold $1,000 / $2,000 $6,850 / $13,700 Price & Details
KP VA Gold 1500/20/Dental
by Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc.
Off gold $1,500 / $3,000 $6,850 / $13,700 Price & Details
KP VA Gold 0/20/Dental
by Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc.
Off gold $0 / $0 $6,850 / $13,700 Price & Details
KP VA Platinum 0/5/Dental
by Kaiser Foundation Health Plan of the Mid-Atlantic States, Inc.
Off platinum $0 / $0 $4,000 / $8,000 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 8:00am - 10:00pm
Sat-Sun 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