Buying OFF the ACA Marketplace in Arizona….

3 separate ACA compliant plans in 2017 include:

1)  Bronze Open Access OAP – $6000

The only OAP /  PPO offered in 2017
Largest Network available in AZ
Most Hospitals are included
No PCP or Referral Required

Paper application only
Quotes by phone only
$0 Commission to Agents / Brokers

Cigna Open Access PPO Network
Cigna Rx Formulary List

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2)  Bronze Connect Flex HMO 6400

HMO using Cigna Medical Group Centers Only
20 citywide centers is your PCP doctor
Banner only specialists and hospitals
Referrals are Required to Banner specialists
Paper application only
Quotes by phone only
$0 Commission to Agents / Brokers

Cigna Medical Center HMO Network
Cigna Rx Formulary List

3) Silver Leap Everyday Plus Plan

Banner only HMO Network
Banner Doctors and Hospitals
No PCP or Referral Required
Large rate increase for 2017
Paper application only
Quotes by phone only
$0 Commission to Agents / Brokers

Aetna Leap HMO Network
Aetna Rx Formulary List

WHO should buy a health plan OFF the Marketplace?

Many consumers believe the only way to buy health insurance in today’s market, is “ON the Marketplace” through the ACA / “Obamacare” website at healthcare.gov.  That is simply not true.  What is true, is that it is the only platform to receive financial assistance if you’re eligible.

Many consumers bypass the government website altogether, and buy directly from their insurance carrier of choice for one reason or another. Examples of consumers who seek coverage OFF the Marketplace are:

  • Higher Income: Your Modified Adjusted Gross Income (MAGI) is too high (Above 400% FPL) to qualify for any financial assistance with Advanced Premium Tax Credits (APTC).
  • Cheaper Alternatives:  Many compare full priced ACA plans to what’s being offered by their employer, especially when comparing child only plans and premiums. In 2017, there are cheaper non subsidized plans OFF the Marketplace.
  • Nationwide PPO Networks:  Snowbirds or college students MAY need a plan with a PPO network that covers them in both places.   Larger PPO networks are only available OFF the Marketplace.

If any of this describes your situation, you have the option to buy an ACA compliant health insurance plan directly from a carrier with or without an agent during the Open Enrollment Period (OEP), or if you have a Special Enrollment Period (SEP).  Of course, it’s always best to call me to assess your situation and suitability for an OFF Marketplace plan.