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For Individuals

We offer many individual health plans options to select from. We offer plans that are customized to suit your budget and needs. You can choose from a pool of affordable insurance options from top carriers in the country. With individual insurance, you can access preventative health care and save money on prescriptions and doctor’s visits. Get a customized individual health insurance plan in just a few clicks!

For Families

Finding the right insurance for your family is one of the most important decisions you can make. We offer a wide range of affordable insurance plans from leading insurance firms from which you can choose. Finding the ideal family insurance plan for your loved ones does not have to be complicated. We offer customized quotes that suit your family needs and budget. Fill in the form to get your customized quote!

For Groups

Health Insurance Plans offers a wide array of group health insurance options for both small and large companies. We customize our products to meet the needs of your business and help you find an insurance plan that is both cost effective and prioritizes the wellbeing of your employees. Make the most of the numerous, affordable and top group health insurance plans. Get your quote from Health Insurance today!

Private Health Insurance Vs. The Marketplace

A health insurance exchange, also known as a marketplace, is where you can purchase a health insurance plan for individuals and families. Exchanges were set up by the Affordable Care Act (ACA), also referred to as Obamacare. They make it easier to see what health insurance plans are available in an area, compare them, and make a purchase.

State Marketplaces

The most common health insurance exchange is, and it’s run by the federal government. United States residents in 38 states enroll in health insurance plans through the federal exchange. The other 13 states have their marketplaces. You can find your state’s marketplace through

Private health insurance exchanges are similar to, but they can also show you off-exchange plans. These policies have to meet the same requirements as on-exchange plans, except that they do not need to provide plans across all four metal tiers. That means a health insurance company can select to offer only one plan and tailor it to certain types of consumers.

On either exchange type, you can verify crucial information such as what medications are covered, which specialists are in the network, and the costs of monthly premiums, copays, and the deductible for every health insurance plan.

State Health Insurance Marketplaces

In 2020, 12 states and the District of Columbia have their marketplaces for people and families: California, Nevada, New York, Rhode Island, Vermont, Colorado, Connecticut, District of Columbia, Idaho, Maryland, Massachusetts, Minnesota, and Washington.

State marketplaces typically work the same way as the federal exchange. The big variance is the state, not the federal government, is in charge of all aspects of the health insurance exchange.

This also means a state has more control over the health insurance plans available on its marketplace. States with their own marketplaces can place extra rules on insurance plans, requiring them to cover more benefits and services. States can also set different quality and pricing guidelines for health insurance plans.

States may also set differing qualifying events for Special Enrollment Periods. For instance, New York permits women to qualify for a Special Enrollment Period when they become pregnant, while the federal government only counts the birth of a child as a qualifying life event.

Private Health Insurance Marketplaces

In addition to the government marketplaces, there are also private health insurance marketplaces.

Private Health Insurance Marketplaces

Private health insurance exchanges can still show you all the policies available on your federal or state marketplace. If you are eligible for a premium subsidy, you can still utilize it if you buy through a private health insurance exchange, as long as you get a plan that is also available on or your state exchange.

A major difference in private exchanges is that they can also show you “off-exchange” health insurance policies. Off-exchange insurance plans are not accessible through any federal or state marketplace. Nevertheless, off-exchange plans still adhere to the same federal rules as on-exchange plans, like covering the 10 essential health benefits. All health insurance plans, whether on-exchange or off-exchange, can only base your premium on four factors: whether it is an individual or family plan, the location you live in, your age, and whether you consume tobacco.

Private health insurance exchanges can also offer additional shopping support for consumers. At Health Insurance Plans, for instance, we can make specific plan recommendations based on your personal preferences. We will also have a professional help you with the application, check on your eligibility for a premium subsidy, and answer any questions you have regarding your health insurance plan.

Off-Exchange Plans Versus On-Exchange Plans

Off-exchange health insurance plans are typically different because they allow insurers to structure their health insurance plans in different ways and potentially save the customer money. For instance, government exchanges require all participating insurers to offer a plan in each of the four metal tiers. Nevertheless, an insurer may only want to provide a single plan. They can do that with off-exchange health insurance policies.

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What our
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The process was easy and seamless. My contact person was very supportive and patient with me. He took time to respond to all my queries, and explained the options at my disposal. I got all the information I needed to choose and sign up for my current insurance plan. I would definitely recommend National Health Connect!
Linet W.