If you’re not eligible for savings on a health plan because your income is too high, you can still buy health coverage through the Health Insurance Marketplace.

You can also get insurance other ways — through a private insurance company, an online insurance seller, or an agent or broker.

You can enroll in a 2017 plan inside or outside the Marketplace any time until January 31, 2017. Enroll by December 15, 2016 and your coverage starts January 1, 2017.

First: Do a quick check to see if you qualify for savings

Don’t qualify for savings? Four other ways to buy a health plan

  • Directly from an insurance company. You can contact any health insurance company and see plans available in your area. Many have websites that let you compare all plans they sell.
    • You can also use our Plan Finder website, which presents information about private health plans available outside the Marketplace.
  • Through an insurance agent or broker. Generally, agents work for a single health insurance company, while brokers sell plans from several. Both can help you compare plans and enroll. You don’t pay more by using an agent or broker. They’re generally paid by the insurance company whose plans they sell. They may not sell all available Marketplace plans.
  • From an online health insurance seller. These services offer health plans from a number of insurance companies. They let you compare prices and features and then enroll with the insurance company.
  • Through the Marketplace. You can apply and enroll in a 2017 health plan through the Marketplace even if you don’t qualify for lower costs based on your income.