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You should purchase a plan through the federal Marketplace (Healthcare.gov) if you qualify for financial assistance.
If you don’t qualify for a premium tax credit, there are other options available outside the Marketplace.
If you lose your group health coverage, you may be able to continue your current plan (at full price).
If you have a qualifying event, you may be eligible for a special enrollment period.
Healthy individuals can purchase short-term coverage at a much lower cost.
If you have a side business, you may qualify for a small group plan, and you can start any month of the year.
These include student health plans, supplemental coverage, limited benefit plans, and Health Care Sharing Ministries.