: Brokers can compare multiple private plans and help you understand the fine print at no extra cost to you.
: Outside of open enrollment, you typically need a "life event" (like moving or losing a job) to sign up, unless buying a short-term plan. buy health insurance outside marketplace
: They often do not cover pre-existing conditions and may have limited benefits. 3. Health Sharing Ministries : Brokers can compare multiple private plans and
: Many off-exchange plans include doctors and specialists that aren't available in Marketplace plans. buy health insurance outside marketplace
These are sold directly by insurance companies or through brokers. They offer the same "essential health benefits" as Marketplace plans, such as: Maternity care Mental health services Pre-existing condition coverage No annual or lifetime limits 2. Short-Term Health Insurance
