These marketplaces are the only place where you can access federal subsidies and premium tax credits based on your income. 2. Private Insurance Companies ("Off-Exchange")
You can find local, certified help through tools like the Local Help Search on HealthCare.gov. 4. International and Specialized Options where do i buy health insurance
Private companies may offer a broader variety of plans than what is listed on the government exchange, though you won't qualify for subsidies. 3. Licensed Insurance Brokers and Agents These marketplaces are the only place where you
Typically represent specific insurance providers but can simplify the enrollment process and explain complex policy details. like California through Covered California
Some states, like California through Covered California , run their own marketplaces.
Resources like Expat Financial offer tailored advice and quotes from multiple international insurers.
Brokers serve as intermediaries who can help you compare multiple plans across different companies at no extra cost to you.