Buy Health Insurance Outside Marketplace May 2026

: Brokers can compare multiple private plans and help you understand the fine print at no extra cost to you.

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 buy health insurance outside marketplace

: Outside of open enrollment, you typically need a "life event" (like moving or losing a job) to sign up, unless buying a short-term plan. : Brokers can compare multiple private plans and