: You can work with an agent who specifically represents that one insurance company. Important Considerations

: The premium for a specific plan is usually the same whether you buy it directly from the company or through an agent. Comparison At a Glance Buying Directly (Off-Exchange) Marketplace (On-Exchange) Financial Aid Not available Available based on income Plan Selection May include plans not on the Marketplace Only includes Marketplace-approved plans Payment Paid directly to the insurer Paid directly to the insurer On-exchange vs. off-exchange ACA Marketplace plans

: If you buy directly from a company instead of the Health Insurance Marketplace, you will not be eligible for income-based premium tax credits or cost-sharing reductions.

: You can enroll through an insurer's website or by calling their customer service line.

: Most "major medical" plans sold directly are still ACA-compliant, meaning they cover pre-existing conditions and essential benefits. However, some "alternative" plans sold directly may not follow these rules.