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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 doesnโ€™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 canโ€™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 planโ€™s
    also includes this information.
Note: Most health plans sold outside Open Enrollment donโ€™t count as qualifying health coverage.