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.