Skip to main content

An official website of the United States government

Here's how you know

Private plans outside the Marketplace outside Open Enrollment

In some limited cases insurance companies sell private health plans outside Open Enrollment that count as
.
  • The Marketplace doesn’t list or offer these plans. The only way you can enroll in a health plan through the Marketplace outside Open Enrollment is if you qualify for a Special Enrollment Period.
  • You can find these plans through some insurance companies, agents, brokers, and online health insurance sellers. If you buy a plan outside the Marketplace any time, during Open Enrollment or not, you can’t get premium tax credits or other savings based on your income.
  • Insurance companies can tell you if a particular plan counts as minimum essential coverage. Each plan’s
    also includes this information.
Note: Most health plans sold outside Open Enrollment don’t count as qualifying health coverage. See your options for health coverage outside Open Enrollment.