An “off-exchange plan” refers to a health insurance policy that is not available for purchase within a federal(ex. Healthcare.gov) or state exchange(ex. Connect for Health Colorado).
So instead of searching the marketplace, enrolling in a plan, then the marketplace communicates that decision to the insurance carrier. Going "off the exchange" you select a plan in which you apply directly to the insurance company.
An exchange is a government-run marketplace of health insurance plans. Both off and on-exchange health plans in the individual and small group markets must satisfy Essential Health Benefits coverage requirements and utilize one of the metal plan designs for medical out-of-pocket costs.
Our website uniquely offers both options to you as a consumer for free.
Get your free quote today by visiting www.ihealthagents.com or you call or text directly at 312-726-6565
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