people, including freelancers and contractors. Unemployed individuals seeking coverage between jobs. Early retirees who are not yet old enough for Medicare. Who is Generally Ineligible?
While most people can shop on the exchange, it is specifically designed for those who do not have access to other affordable coverage: without job-based insurance. who can buy insurance on the exchange
To buy health insurance on the Health Insurance Marketplace (also called the "exchange"), you must meet three primary eligibility requirements: You must live in the United States. people, including freelancers and contractors
Certain individuals are usually restricted from using the exchange or from receiving financial help there: Who is Generally Ineligible
If you are already enrolled in Medicare, you generally cannot buy a Marketplace plan.
If your employer offers coverage that meets specific affordability and quality standards, you can still shop on the exchange, but you likely will not qualify for premium tax credits or subsidies. Are you eligible to use the Marketplace? | HealthCare.gov