Plan Name On or Off Exchange Plan eligible for subsidy? Metal Level Deductible (individual/family) Out-of-pocket Max (individual/family)
Prime Bronze HSA $5000
by Unity Health Plans Insurance Corporation
Both bronze $5,000 / $10,000 $6,550 / $13,100 Price & Details
Prime Bronze Deductible $6500 with Dental
by Unity Health Plans Insurance Corporation
Both bronze $6,500 / $13,000 $7,350 / $14,700 Price & Details
ProHealth Bronze Deductible $6500
by Unity Health Plans Insurance Corporation
Both bronze $6,500 / $13,000 $7,350 / $14,700 Price & Details
ProHealth Bronze HSA $6550
by Unity Health Plans Insurance Corporation
Both bronze $6,550 / $13,100 $6,550 / $13,100 Price & Details
ProHealth Bronze HSA $5000
by Unity Health Plans Insurance Corporation
Both bronze $5,000 / $10,000 $6,550 / $13,100 Price & Details
ProHealth Bronze Deductible $6500 with Dental
by Unity Health Plans Insurance Corporation
Both bronze $6,500 / $13,000 $7,350 / $14,700 Price & Details
Elite Bronze HSA $6550
by Unity Health Plans Insurance Corporation
Both bronze $6,550 / $13,100 $6,550 / $13,100 Price & Details
Elite Bronze HSA $5000
by Unity Health Plans Insurance Corporation
Both bronze $5,000 / $10,000 $6,550 / $13,100 Price & Details
Beloit One Bronze HSA $6550
by Unity Health Plans Insurance Corporation
Both bronze $6,550 / $13,100 $6,550 / $13,100 Price & Details
Pioneer One Bronze Deductible $6500
by Unity Health Plans Insurance Corporation
Both bronze $6,500 / $13,000 $7,350 / $14,700 Price & Details
Pioneer One Bronze HSA $5000
by Unity Health Plans Insurance Corporation
Both bronze $5,000 / $10,000 $6,550 / $13,100 Price & Details
Gundersen Health System (R) Bronze Deductible $6500
by Unity Health Plans Insurance Corporation
Both bronze $6,500 / $13,000 $7,350 / $14,700 Price & Details
Gundersen Health System (R) Bronze HSA $6550
by Unity Health Plans Insurance Corporation
Both bronze $6,550 / $13,100 $6,550 / $13,100 Price & Details
Gundersen Health System (R) Bronze HSA $5000
by Unity Health Plans Insurance Corporation
Both bronze $5,000 / $10,000 $6,550 / $13,100 Price & Details
Gundersen Health System (R) Bronze Deductible $6500 with Dental
by Unity Health Plans Insurance Corporation
Both bronze $6,500 / $13,000 $7,350 / $14,700 Price & Details
Elite Bronze Deductible $6500 with Dental
by Unity Health Plans Insurance Corporation
Both bronze $6,500 / $13,000 $7,350 / $14,700 Price & Details
Elite Bronze Deductible $6500
by Unity Health Plans Insurance Corporation
Both bronze $6,500 / $13,000 $7,350 / $14,700 Price & Details
Prime Bronze HSA $6550
by Unity Health Plans Insurance Corporation
Both bronze $6,550 / $13,100 $6,550 / $13,100 Price & Details
Prime Bronze Deductible $6500
by Unity Health Plans Insurance Corporation
Both bronze $6,500 / $13,000 $7,350 / $14,700 Price & Details
Pioneer One Bronze Deductible $6500 with Dental
by Unity Health Plans Insurance Corporation
Both bronze $6,500 / $13,000 $7,350 / $14,700 Price & Details
Pioneer One Bronze HSA $6550
by Unity Health Plans Insurance Corporation
Both bronze $6,550 / $13,100 $6,550 / $13,100 Price & Details
Beloit One Bronze Deductible $6500 with Dental
by Unity Health Plans Insurance Corporation
Both bronze $6,500 / $13,000 $7,350 / $14,700 Price & Details
Beloit One Bronze Deductible $6500
by Unity Health Plans Insurance Corporation
Both bronze $6,500 / $13,000 $7,350 / $14,700 Price & Details
Beloit One Bronze HSA $5000
by Unity Health Plans Insurance Corporation
Both bronze $5,000 / $10,000 $6,550 / $13,100 Price & Details
Elite Bronze Standard - PCP Copay $35
by Unity Health Plans Insurance Corporation
Both bronze $6,650 / $13,300 $7,350 / $14,700 Price & Details
Elite Bronze Standard HSA $6000
by Unity Health Plans Insurance Corporation
Both bronze $6,000 / $12,000 $6,000 / $12,000 Price & Details
Prime Bronze Standard - PCP Copay $35
by Unity Health Plans Insurance Corporation
Both bronze $6,650 / $13,300 $7,350 / $14,700 Price & Details
Prime Bronze Standard HSA $6000
by Unity Health Plans Insurance Corporation
Both bronze $6,000 / $12,000 $6,000 / $12,000 Price & Details
Beloit One Bronze Standard - PCP Copay $35
by Unity Health Plans Insurance Corporation
Both bronze $6,650 / $13,300 $7,350 / $14,700 Price & Details
Gundersen Health System (R) Bronze Standard - PCP Copay $35
by Unity Health Plans Insurance Corporation
Both bronze $6,650 / $13,300 $7,350 / $14,700 Price & Details
Gundersen Health System (R) Bronze Standard HSA $6000
by Unity Health Plans Insurance Corporation
Both bronze $6,000 / $12,000 $6,000 / $12,000 Price & Details
ProHealth Bronze Standard - PCP Copay $35
by Unity Health Plans Insurance Corporation
Both bronze $6,650 / $13,300 $7,350 / $14,700 Price & Details
ProHealth Bronze Standard HSA $6000
by Unity Health Plans Insurance Corporation
Both bronze $6,000 / $12,000 $6,000 / $12,000 Price & Details
Beloit One Bronze Standard HSA $6000
by Unity Health Plans Insurance Corporation
Both bronze $6,000 / $12,000 $6,000 / $12,000 Price & Details
Pioneer One Bronze Standard - PCP Copay $35
by Unity Health Plans Insurance Corporation
Both bronze $6,650 / $13,300 $7,350 / $14,700 Price & Details
Pioneer One Bronze Standard HSA $6000
by Unity Health Plans Insurance Corporation
Both bronze $6,000 / $12,000 $6,000 / $12,000 Price & Details
Prime Silver Standard - PCP Copay $30
by Unity Health Plans Insurance Corporation
Both silver $3,500 / $7,000 $7,350 / $14,700 Price & Details
Elite Silver 7100 Value - PCP Copay $75
by Unity Health Plans Insurance Corporation
Both silver $7,100 / $14,200 $7,350 / $14,700 Price & Details
Gundersen Health System (R) Silver HSA $5050
by Unity Health Plans Insurance Corporation
Both silver $5,050 / $10,100 $5,050 / $10,100 Price & Details
ProHealth Silver 5000 Value - PCP Copay $35
by Unity Health Plans Insurance Corporation
Both silver $5,000 / $10,000 $7,350 / $14,700 Price & Details
Gundersen Health System (R) Silver 5000 Value - PCP Copay $35 with Dental
by Unity Health Plans Insurance Corporation
Both silver $5,000 / $10,000 $7,350 / $14,700 Price & Details
Elite Silver HSA $3000
by Unity Health Plans Insurance Corporation
Both silver $3,000 / $6,000 $6,600 / $13,200 Price & Details
Elite Silver 5000 Value - PCP Copay $35
by Unity Health Plans Insurance Corporation
Both silver $5,000 / $10,000 $7,350 / $14,700 Price & Details
Elite Silver Standard - PCP Copay $30
by Unity Health Plans Insurance Corporation
Both silver $3,500 / $7,000 $7,350 / $14,700 Price & Details
Elite Silver 7100 Value - PCP Copay $75 with Dental
by Unity Health Plans Insurance Corporation
Both silver $7,100 / $14,200 $7,350 / $14,700 Price & Details
Elite Silver HSA $5050
by Unity Health Plans Insurance Corporation
Both silver $5,050 / $10,100 $5,050 / $10,100 Price & Details
Elite Silver 5000 Value - PCP Copay $35 with Dental
by Unity Health Plans Insurance Corporation
Both silver $5,000 / $10,000 $7,350 / $14,700 Price & Details
Gundersen Health System (R) Silver 7100 Value - PCP Copay $75
by Unity Health Plans Insurance Corporation
Both silver $7,100 / $14,200 $7,350 / $14,700 Price & Details
Gundersen Health System (R) Silver Standard - PCP Copay $30
by Unity Health Plans Insurance Corporation
Both silver $3,500 / $7,000 $7,350 / $14,700 Price & Details
Gundersen Health System (R) Silver 5000 Value - PCP Copay $35
by Unity Health Plans Insurance Corporation
Both silver $5,000 / $10,000 $7,350 / $14,700 Price & Details
Gundersen Health System (R) Silver 7100 Value - PCP Copay $75 with Dental
by Unity Health Plans Insurance Corporation
Both silver $7,100 / $14,200 $7,350 / $14,700 Price & Details
Gundersen Health System (R) Silver HSA $3000
by Unity Health Plans Insurance Corporation
Both silver $3,000 / $6,000 $6,600 / $13,200 Price & Details
Prime Silver 7100 Value - PCP Copay $75 with Dental
by Unity Health Plans Insurance Corporation
Both silver $7,100 / $14,200 $7,350 / $14,700 Price & Details
Prime Silver 5000 Value - PCP Copay $35 with Dental
by Unity Health Plans Insurance Corporation
Both silver $5,000 / $10,000 $7,350 / $14,700 Price & Details
Prime Silver 7100 Value - PCP Copay $75
by Unity Health Plans Insurance Corporation
Both silver $7,100 / $14,200 $7,350 / $14,700 Price & Details
Prime Silver 5000 Value - PCP Copay $35
by Unity Health Plans Insurance Corporation
Both silver $5,000 / $10,000 $7,350 / $14,700 Price & Details
Prime Silver HSA $3000
by Unity Health Plans Insurance Corporation
Both silver $3,000 / $6,000 $6,600 / $13,200 Price & Details
Prime Silver HSA $5050
by Unity Health Plans Insurance Corporation
Both silver $5,050 / $10,100 $5,050 / $10,100 Price & Details
Pioneer One Silver 5000 Value - PCP Copay $35
by Unity Health Plans Insurance Corporation
Both silver $5,000 / $10,000 $7,350 / $14,700 Price & Details
Pioneer One Silver 7100 Value - PCP Copay $75 with Dental
by Unity Health Plans Insurance Corporation
Both silver $7,100 / $14,200 $7,350 / $14,700 Price & Details
Pioneer One Silver 5000 Value - PCP Copay $35 with Dental
by Unity Health Plans Insurance Corporation
Both silver $5,000 / $10,000 $7,350 / $14,700 Price & Details
Pioneer One Silver 7100 Value - PCP Copay $75
by Unity Health Plans Insurance Corporation
Both silver $7,100 / $14,200 $7,350 / $14,700 Price & Details
Pioneer One Silver Standard - PCP Copay $30
by Unity Health Plans Insurance Corporation
Both silver $3,500 / $7,000 $7,350 / $14,700 Price & Details
Pioneer One Silver HSA $5050
by Unity Health Plans Insurance Corporation
Both silver $5,050 / $10,100 $5,050 / $10,100 Price & Details
Pioneer One Silver HSA $3000
by Unity Health Plans Insurance Corporation
Both silver $3,000 / $6,000 $6,600 / $13,200 Price & Details
Beloit One Silver 7100 Value - PCP Copay $75 with Dental
by Unity Health Plans Insurance Corporation
Both silver $7,100 / $14,200 $7,350 / $14,700 Price & Details
Beloit One Silver 5000 Value - PCP Copay $35 with Dental
by Unity Health Plans Insurance Corporation
Both silver $5,000 / $10,000 $7,350 / $14,700 Price & Details
Beloit One Silver 7100 Value - PCP Copay $75
by Unity Health Plans Insurance Corporation
Both silver $7,100 / $14,200 $7,350 / $14,700 Price & Details
Beloit One Silver Standard - PCP Copay $30
by Unity Health Plans Insurance Corporation
Both silver $3,500 / $7,000 $7,350 / $14,700 Price & Details
Beloit One Silver 5000 Value - PCP Copay $35
by Unity Health Plans Insurance Corporation
Both silver $5,000 / $10,000 $7,350 / $14,700 Price & Details
Beloit One Silver HSA $3000
by Unity Health Plans Insurance Corporation
Both silver $3,000 / $6,000 $6,600 / $13,200 Price & Details
ProHealth Silver 7100 Value - PCP Copay $75
by Unity Health Plans Insurance Corporation
Both silver $7,100 / $14,200 $7,350 / $14,700 Price & Details
ProHealth Silver 7100 Value - PCP Copay $75 with Dental
by Unity Health Plans Insurance Corporation
Both silver $7,100 / $14,200 $7,350 / $14,700 Price & Details
ProHealth Silver 5000 Value - PCP Copay $35 with Dental
by Unity Health Plans Insurance Corporation
Both silver $5,000 / $10,000 $7,350 / $14,700 Price & Details
Beloit One Silver HSA $5050
by Unity Health Plans Insurance Corporation
Both silver $5,050 / $10,100 $5,050 / $10,100 Price & Details
ProHealth Silver Standard - PCP Copay $30
by Unity Health Plans Insurance Corporation
Both silver $3,500 / $7,000 $7,350 / $14,700 Price & Details
ProHealth Silver HSA $3000
by Unity Health Plans Insurance Corporation
Both silver $3,000 / $6,000 $6,600 / $13,200 Price & Details
ProHealth Silver HSA $5050
by Unity Health Plans Insurance Corporation
Both silver $5,050 / $10,100 $5,050 / $10,100 Price & Details
Prime Gold Healthy You - PCP Copay $30
by Unity Health Plans Insurance Corporation
Both gold $2,900 / $5,800 $7,350 / $14,700 Price & Details
ProHealth Gold Maintenance - PCP Copay $20
by Unity Health Plans Insurance Corporation
Both gold $1,700 / $3,400 $7,350 / $14,700 Price & Details
Elite Gold Maintenance - PCP Copay $20 with Dental
by Unity Health Plans Insurance Corporation
Both gold $1,700 / $3,400 $7,350 / $14,700 Price & Details
Beloit One Gold Healthy You - PCP Copay $30
by Unity Health Plans Insurance Corporation
Both gold $2,900 / $5,800 $7,350 / $14,700 Price & Details
Pioneer One Gold HSA $1800
by Unity Health Plans Insurance Corporation
Both gold $1,800 / $3,600 $6,500 / $13,000 Price & Details
Pioneer One Gold Standard - PCP Copay $20
by Unity Health Plans Insurance Corporation
Both gold $1,400 / $2,800 $5,000 / $10,000 Price & Details
Gundersen Health System (R) Gold Healthy You - PCP Copay $30
by Unity Health Plans Insurance Corporation
Both gold $2,900 / $5,800 $7,350 / $14,700 Price & Details
Pioneer One Gold First $500 with Dental
by Unity Health Plans Insurance Corporation
Both gold $3,500 / $7,000 $6,500 / $13,000 Price & Details
Elite Gold Healthy You - PCP Copay $30
by Unity Health Plans Insurance Corporation
Both gold $2,900 / $5,800 $7,350 / $14,700 Price & Details
Beloit One Gold First $500
by Unity Health Plans Insurance Corporation
Both gold $3,500 / $7,000 $6,500 / $13,000 Price & Details
Prime Gold First $500 with Dental
by Unity Health Plans Insurance Corporation
Both gold $3,500 / $7,000 $6,500 / $13,000 Price & Details
Gundersen Health System (R) Gold Standard - PCP Copay $20
by Unity Health Plans Insurance Corporation
Both gold $1,400 / $2,800 $5,000 / $10,000 Price & Details
Prime Gold Standard - PCP Copay $20
by Unity Health Plans Insurance Corporation
Both gold $1,400 / $2,800 $5,000 / $10,000 Price & Details
Elite Gold Standard - PCP Copay $20
by Unity Health Plans Insurance Corporation
Both gold $1,400 / $2,800 $5,000 / $10,000 Price & Details
Prime Gold Maintenance - PCP Copay $20 with Dental
by Unity Health Plans Insurance Corporation
Both gold $1,700 / $3,400 $7,350 / $14,700 Price & Details
Elite Gold Healthy You - PCP Copay $30 with Dental
by Unity Health Plans Insurance Corporation
Both gold $2,900 / $5,800 $7,350 / $14,700 Price & Details
Elite Gold Maintenance - PCP Copay $20
by Unity Health Plans Insurance Corporation
Both gold $1,700 / $3,400 $7,350 / $14,700 Price & Details
Elite Gold HSA $1800
by Unity Health Plans Insurance Corporation
Both gold $1,800 / $3,600 $6,500 / $13,000 Price & Details
Elite Gold First $500
by Unity Health Plans Insurance Corporation
Both gold $3,500 / $7,000 $6,500 / $13,000 Price & Details
Elite Gold First $500 with Dental
by Unity Health Plans Insurance Corporation
Both gold $3,500 / $7,000 $6,500 / $13,000 Price & Details
Gundersen Health System (R) Gold Healthy You - PCP Copay $30 with Dental
by Unity Health Plans Insurance Corporation
Both gold $2,900 / $5,800 $7,350 / $14,700 Price & Details
Gundersen Health System (R) Gold First $500
by Unity Health Plans Insurance Corporation
Both gold $3,500 / $7,000 $6,500 / $13,000 Price & Details
Gundersen Health System (R) Gold Maintenance - PCP Copay $20
by Unity Health Plans Insurance Corporation
Both gold $1,700 / $3,400 $7,350 / $14,700 Price & Details
Gundersen Health System (R) Gold First $500 with Dental
by Unity Health Plans Insurance Corporation
Both gold $3,500 / $7,000 $6,500 / $13,000 Price & Details
Gundersen Health System (R) Gold Maintenance - PCP Copay $20 with Dental
by Unity Health Plans Insurance Corporation
Both gold $1,700 / $3,400 $7,350 / $14,700 Price & Details
Gundersen Health System (R) Gold HSA $1800
by Unity Health Plans Insurance Corporation
Both gold $1,800 / $3,600 $6,500 / $13,000 Price & Details
Prime Gold Healthy You - PCP Copay $30 with Dental
by Unity Health Plans Insurance Corporation
Both gold $2,900 / $5,800 $7,350 / $14,700 Price & Details
Prime Gold Maintenance - PCP Copay $20
by Unity Health Plans Insurance Corporation
Both gold $1,700 / $3,400 $7,350 / $14,700 Price & Details
Prime Gold First $500
by Unity Health Plans Insurance Corporation
Both gold $3,500 / $7,000 $6,500 / $13,000 Price & Details
Prime Gold HSA $1800
by Unity Health Plans Insurance Corporation
Both gold $1,800 / $3,600 $6,500 / $13,000 Price & Details
Pioneer One Gold First $500
by Unity Health Plans Insurance Corporation
Both gold $3,500 / $7,000 $6,500 / $13,000 Price & Details
Pioneer One Gold Healthy You - PCP Copay $30
by Unity Health Plans Insurance Corporation
Both gold $2,900 / $5,800 $7,350 / $14,700 Price & Details
Pioneer One Gold Healthy You - PCP Copay $30 with Dental
by Unity Health Plans Insurance Corporation
Both gold $2,900 / $5,800 $7,350 / $14,700 Price & Details
Pioneer One Gold Maintenance - PCP Copay $20
by Unity Health Plans Insurance Corporation
Both gold $1,700 / $3,400 $7,350 / $14,700 Price & Details
Pioneer One Gold Maintenance - PCP Copay $20 with Dental
by Unity Health Plans Insurance Corporation
Both gold $1,700 / $3,400 $7,350 / $14,700 Price & Details
Beloit One Gold Maintenance - PCP Copay $20 with Dental
by Unity Health Plans Insurance Corporation
Both gold $1,700 / $3,400 $7,350 / $14,700 Price & Details
Beloit One Gold Healthy You - PCP Copay $30 with Dental
by Unity Health Plans Insurance Corporation
Both gold $2,900 / $5,800 $7,350 / $14,700 Price & Details
Beloit One Gold Maintenance - PCP Copay $20
by Unity Health Plans Insurance Corporation
Both gold $1,700 / $3,400 $7,350 / $14,700 Price & Details
Beloit One Gold Standard - PCP Copay $20
by Unity Health Plans Insurance Corporation
Both gold $1,400 / $2,800 $5,000 / $10,000 Price & Details
Beloit One Gold First $500 with Dental
by Unity Health Plans Insurance Corporation
Both gold $3,500 / $7,000 $6,500 / $13,000 Price & Details
ProHealth Gold First $500
by Unity Health Plans Insurance Corporation
Both gold $3,500 / $7,000 $6,500 / $13,000 Price & Details
ProHealth Gold First $500 with Dental
by Unity Health Plans Insurance Corporation
Both gold $3,500 / $7,000 $6,500 / $13,000 Price & Details
Beloit One Gold HSA $1800
by Unity Health Plans Insurance Corporation
Both gold $1,800 / $3,600 $6,500 / $13,000 Price & Details
ProHealth Gold Healthy You - PCP Copay $30
by Unity Health Plans Insurance Corporation
Both gold $2,900 / $5,800 $7,350 / $14,700 Price & Details
ProHealth Gold Healthy You - PCP Copay $30 with Dental
by Unity Health Plans Insurance Corporation
Both gold $2,900 / $5,800 $7,350 / $14,700 Price & Details
ProHealth Gold HSA $1800
by Unity Health Plans Insurance Corporation
Both gold $1,800 / $3,600 $6,500 / $13,000 Price & Details
ProHealth Gold Standard - PCP Copay $20
by Unity Health Plans Insurance Corporation
Both gold $1,400 / $2,800 $5,000 / $10,000 Price & Details
ProHealth Gold Maintenance - PCP Copay $20 with Dental
by Unity Health Plans Insurance Corporation
Both gold $1,700 / $3,400 $7,350 / $14,700 Price & Details
Prime Catastrophic
by Unity Health Plans Insurance Corporation
Both catastrophic $7,350 / $14,700 $7,350 / $14,700 Price & Details
ProHealth Catastrophic
by Unity Health Plans Insurance Corporation
Both catastrophic $7,350 / $14,700 $7,350 / $14,700 Price & Details
Pioneer One Catastrophic
by Unity Health Plans Insurance Corporation
Both catastrophic $7,350 / $14,700 $7,350 / $14,700 Price & Details
Elite Catastrophic
by Unity Health Plans Insurance Corporation
Both catastrophic $7,350 / $14,700 $7,350 / $14,700 Price & Details
Gundersen Health System (R) Catastrophic
by Unity Health Plans Insurance Corporation
Both catastrophic $7,350 / $14,700 $7,350 / $14,700 Price & Details
Beloit One Catastrophic
by Unity Health Plans Insurance Corporation
Both catastrophic $7,350 / $14,700 $7,350 / $14,700 Price & Details

 

 

 

What are Obamacare Health Insurance Plans?

Obamacare health insurance plans are plans which are eligible for reduced costs with a subsidy tax credit. Obamacare plans are only offered through the 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