You can explore individual health insurance through the official Marketplace and, where available, directly through insurers or licensed agents. The right route depends on your eligibility and coverage needs. Not every product sold online offers the same protections.
Know the main routes
| Route | Key check |
|---|---|
| HealthCare.gov or your state's Marketplace | Available plans and eligibility for financial assistance. |
| Direct insurer purchase | Whether the policy is comprehensive coverage and what enrollment rules apply. |
| Licensed agent or broker | Which plans and enrollment channels the professional represents. |
| Medicaid or CHIP | Eligibility determined under state program rules. |
Check financial assistance before buying
Income-based Marketplace savings are tied to the official eligibility and enrollment process. Buying a policy outside the Marketplace does not give access to its premium tax credits. Do not compare an estimated subsidized price with an unsubsidized quote without understanding the difference.
Verify when you may enroll
Comprehensive individual coverage generally follows enrollment-period rules. A direct purchase is not automatically a way around them. Ask whether a Special Enrollment Period applies if you lost other coverage. Medicaid and CHIP accept applications year-round.
Compare more than premiums
- Doctors and hospitals in the exact network.
- Deductible and costs for expected appointments.
- Covered services and exclusions.
- Applicable annual out-of-pocket limit.
- The confirmed coverage start date.
Coordinate with Medicare
If you have Medicare, do not treat a Marketplace policy as a Medicare supplement. If you are approaching Medicare eligibility, check federal enrollment deadlines and how to end or change Marketplace coverage appropriately.
Use official websites and verified contacts. Keep the Summary of Benefits and Coverage and any eligibility notice. After selecting a plan, complete payment requirements and confirm enrollment rather than assuming a quote or application means active insurance.
Related coverage questions
- Retiree Insurance and Medicare: Before You Change Coverage
- How to Enroll in Medicare: Steps, Timing and Where to Get Help
- Medicaid Income Limits: Why Eligibility Depends on Your State and Category