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Option 2: Off Exchange with a private insurance carrier

This option may be more appealing if you don't qualify for a subsidy or you want to avoid the healthcare.gov website.

The plan designs offered Off Exchange will be very similar to the plans offered On Exchange.

 

How will rates be calculated?

Plans will be guarantee issue and will be based on community rating which will include:

Age, Tobacco Use, Geography, and Family Tier

  

What is my penalty if I do not elect coverage health insurance?

            For tax year 2019 and after, there is no penalty for not having affordable coverage.