These marketplaces are the only place where you can access federal subsidies and premium tax credits based on your income. 2. Private Insurance Companies ("Off-Exchange")

For those living or working abroad, specialized international health insurance is necessary as local domestic plans typically do not cover foreign travel.

Private companies may offer a broader variety of plans than what is listed on the government exchange, though you won't qualify for subsidies. 3. Licensed Insurance Brokers and Agents

Brokers serve as intermediaries who can help you compare multiple plans across different companies at no extra cost to you.