If the premium tax credits you are currently eligible for are not enough to make coverage on Healthcare.gov affordable for you, it might still be worth looking for coverage on HealthCare.gov if you expect your income to fluctuate because you might become eligible for higher premium tax credits mid-year.
If you do not expect your income to change mid-year, you may want to shop outside the marketplace for similar coverage that still provides the Affordable Care Act’s protections and may have lower premiums than marketplace coverage. To access these plans, contact your state’s Department of Insurance for a list of reputable brokers that can help you shop for Minimum Essential Coverage.
There may be other coverage options available outside of the marketplace that do not provide the Affordable Care Act’s protections. These include plans that are not traditional health insurance products, including short-term, limited duration insurance, association health plans, health care sharing ministries, and farm bureau plans. If an insurer or entity cannot provide a Summary of Benefits and Coverage that indicates coverage is Minimum Essential Coverage, be aware that the plan may have coverage limitations, particularly for pre-existing health conditions or for basic medical care. Always insist on getting plan documents to review prior to buying a plan.