Many major insurers like Blue Cross Blue Shield and UnitedHealthcare sell plans directly to consumers that still meet all ACA standards.

Yes, you can buy health insurance without going through the government "Obamacare" (ACA) Marketplace . You have several options, ranging from fully compliant private plans to alternative coverage models.

However, the main trade-off is financial: only plans purchased through the Marketplace qualify for or subsidies. If you buy "off-exchange," you will pay the full premium cost yourself. 1. Off-Exchange ACA-Compliant Plans

Private plans outside the Marketplace outside Open Enrollment