To buy health insurance, you primarily have four main options: , government marketplaces (such as HealthCare.gov ), private insurance companies , and licensed brokers . 1. Government Health Insurance Marketplaces
If you do not have coverage through an employer, the government marketplace is the primary source for "on-exchange" plans.
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")