There are two kinds of individual health insurance plans available: on-exchange and off-exchange. Here are the differences to consider when selecting a plan:
health insurance plans are available on healthcare.gov or a state-based exchange, also known as a marketplace. Financial help, or subsidies, are only available when you enroll in an on-exchange health plan. Subsidies include premium tax credits and cost-sharing reductions. If you qualify for financial help to lower the cost of health coverage, an on-exchange plan is your best option.
health insurance plans covering the same essential health benefits as on-exchange plans are available outside of the exchange or marketplace directly through Anthem.