Off-Exchange Health Plans

About Off-Exchange Health Insurance Plans

Off-exchange health insurance plans are comprehensive health coverage options purchased directly from insurance companies or through independent brokers, rather than through the government-run Health Insurance Marketplace. These plans offer flexibility and can be an excellent option for those who don’t qualify for marketplace subsidies.

How Stroman Insurance Advisors Can Help

At Stroman Insurance Advisors, we specialize in helping you navigate the world of off-exchange health insurance plans. As independent brokers, we work with multiple insurance companies to find the best plan tailored to your unique needs and budget. Our services include:

  • Assessing your healthcare needs and preferences
  • Comparing plans from various insurers
  • Explaining coverage options and potential cost savings
  • Assistance with the application and enrollment process
  • Ongoing support throughout your coverage period

Frequently Asked Questions

How do off-exchange plans differ from marketplace plans?

Off-exchange plans aren’t eligible for premium tax credits, but they may offer more flexibility in plan design and provider networks. We’ll help you understand if an off-exchange plan is right for you.

Are off-exchange plans ACA-compliant?

Many off-exchange plans are ACA-compliant, offering essential health benefits and covering pre-existing conditions. We’ll help you distinguish between compliant and non-compliant options.

When can I enroll in an off-exchange plan?

While many off-exchange plans follow the ACA’s Open Enrollment Period, some insurers offer these plans year-round. We’ll guide you through your enrollment options.

Are off-exchange plans cheaper than marketplace plans?

Costs vary depending on the plan and your situation. Without subsidies, off-exchange plans may be competitively priced. We’ll help you compare total costs.

Can I switch from an off-exchange plan to a marketplace plan?

Generally, you can switch during the annual Open Enrollment Period or if you qualify for a Special Enrollment Period. We’ll help you understand your options for changing coverage.

Our Approach to Helping You

Choosing the right off-exchange health insurance plan requires careful consideration. At Stroman Insurance Advisors, we:

  1. Conduct a comprehensive assessment of your healthcare needs and financial situation
  2. Research and compare off-exchange plans from multiple insurers
  3. Explain the pros and cons of off-exchange vs. marketplace plans for your specific situation
  4. Clarify complex terms and coverage details in plain language
  5. Guide you through the application and enrollment process step-by-step
  6. Provide ongoing support for any questions or concerns throughout your coverage period

Let us help you explore your off-exchange health insurance options and find a plan that provides the coverage you need with the flexibility you desire. Contact us today for a free consultation and personalized plan analysis.

How Our Process Works

We're ready to help. Even if you don't know where to start or aren't ready to enroll, we can get you on the right track. Our services are no-charge.
Step 1

Schedule an appointment

Choose a time that's convenient to you and let us know about your needs. We can meet by phone, video call, or at our office.
Step 2

Speak with an advisor

We'll talk about your situation, budget, and answer your initial questions. Then we'll prepare a recommendation for you.
Step 3

Enroll in your plan

When it's time to enroll in a plan, we'll help you complete the application. Once you're enrolled, you're entitled to our services year-round.
Schedule an Appointment
Stroman Insurance Advisors

4901 Olde Towne Pkwy
Suite 102
Marietta, GA 30068

Contact Us

404-595-4740

Monday - Friday
9AM - 5PM ET

Services

Individual Health Insurance

Medicare Plans & Enrollment Assistance

Small Business Health Insurance

About

About Us

Contact Us

Privacy Policy

Sitemap

Social

We are not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area, and any information we provide is limited to those plans we do offer in your area. Please get in touch with Medicare.gov or 1-800-MEDICARE to get information on all your options. Health Insurance sold on stromaninsurance.com is processed through the licensed insurance agent: Harrison Andrew Stroman. © 2024 All Rights Reserved.