When to Choose an Off-Exchange Plan

What is an off-exchange health plan?

An off-exchange plan is a health insurance policy that is purchased directly from an insurance 

company or through an agent or broker, outside of the Covered California exchange. 

Why choose an off-exchange health plan?

On-exchange consists of  plans that are available through Covered California only.  If you qualify for a subsidy, and choose to use it on your health plan, then shopping on-exchange is your best option.

Off-exchange means plans that are available outside of the Covered California exchange. The number one benefit of shopping off-exchange is greater plan choice.  If you don’t qualify for financial help, the advantages of shopping off-exchange is substantial.

Source:

healthinsurance.org