These are sold directly by insurance companies or through brokers. They offer the same "essential health benefits" as Marketplace plans, such as: Maternity care Mental health services Pre-existing condition coverage No annual or lifetime limits 2. Short-Term Health Insurance
: You cannot use premium tax credits or cost-sharing reductions for off-exchange plans.
: Brokers can compare multiple private plans and help you understand the fine print at no extra cost to you.
: Most ACA-compliant private plans still follow the standard Open Enrollment Period (usually Nov 1 – Jan 15).