Individual Health Insurance
The terms “on-exchange” and “off-exchange” can be confusing. Here are the key
On-exchange : When you enroll in an On-Exchange health plan that means you are enrollin in an Individaul health plans and due to low income you are applying for a premium subsidy from the government. These plans can only be accessed via the Healthcare.gov marketplace. Healthcare.gov is used primarily for those seeking a premium subsidy. Income verification is required. We know this as Obamacare. Yes, Kbenefits offers Obamacare plans. My broker code is 7990501. I'm a free, no charge service available to you 24/7, 365.
Off-exchange means those plans that are available outside of the public exchange environment, or in the open market. A few main benefits of enrolling in an off-exchange health plan is ease of enrollment, not needing to provide financial and income documents to determine eligiblity and superior customer serivce.
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