: You cannot receive premium tax credits or income-based subsidies if you buy outside the government Marketplace.

: Directly from insurance companies, through licensed brokers, or via private online health insurance sellers.

Can I buy health insurance outside of the Marketplace ... - KFF

Yes, you can buy health insurance outside of the Affordable Care Act (ACA), often referred to as "Obamacare." These options generally fall into two categories: and Non-ACA-compliant alternative plans . 1. Off-Exchange ACA-Compliant Plans