QUESTION

I received a call/mailer selling me new coverage that is much cheaper than what is available on HealthCare.gov. How do I assess my options?

Individuals with no coverage | Coverage Outside the Marketplace
ANSWER

Healthcare.gov is the only place you can purchase coverage that is guaranteed to provide all the consumer protections of the Affordable Care Act. It is also the only place to buy coverage with premium tax credits. For 2021 and 2022, there is no income limit on eligibility for premium tax credits, so most people will do better to buy coverage through the health insurance marketplace. Be sure to find out what your cost would be to buy coverage in the health insurance marketplace, taking into account any premium tax credits and cost-sharing reductions that may apply.

If you decide to forgo coverage in the health insurance marketplace, proceed with caution when evaluating options outside of the health insurance marketplace, as there have been reports of fraudulent activity and deceptive practices. In order to evaluate your options outside of the marketplace, contact your state’s Department of Insurance for a list of reliable brokers who can assist you in assessing your options. Always insist on getting plan documents to review prior to buying a plan, particularly when purchasing a plan outside of the marketplace.

Individuals with no coverage
Individuals with coverage
Coverage for small employers
Post enrollment issues