Buying outside the marketplace might make more sense for wealthy buyers who don’t qualify for subsidies as well as for those with certain medical conditions that demand access to certain specialists. (Photo: iStock)

Three years after the creation of the Affordable Care Act insurance marketplace, which was designed to make buying health plans easier and cheaper, millions of Americans still opt to buy individual health plans directly from insurers, rather than through

Related: Humana to cut 2017 individual market footprint 88%

Complete your profile to continue reading and get FREE access to, part of your ALM digital membership.

Your access to unlimited content isn’t changing.
Once you are an ALM digital member, you’ll receive:

  • Critical information including cutting edge post-reform success strategies, access to educational webcasts and videos, resources from industry leaders, and informative Newsletters.
  • Exclusive discounts on ALM, BenefitsPRO magazine and events.
  • Access to other award-winning ALM websites including and

Already have an account?

Jack Craver



Join BenefitsPRO

Don’t miss crucial news and insights you need to navigate the shifting employee benefits industry. Join now!

  • Unlimited access to - your roadmap to thriving in a disrupted environment
  • Access to other award-winning ALM websites including and
  • Exclusive discounts on and ALM events.

Already have an account? Sign In Now
Join BenefitsPRO

Copyright © 2023 ALM Global, LLC. All Rights Reserved.