Many reputable insurers sell plans directly to consumers that are identical to those found on the Marketplace. According to KFF , these "ACA-compliant" plans must cover the same 10 essential health benefits and cannot deny you for pre-existing conditions.
If you are looking for specific types of coverage or need a bridge between jobs, you might encounter non-ACA-compliant options. These can be riskier but often have lower monthly premiums. buying health care outside marketplace
Beyond the Exchange: Your Guide to Buying Health Care Outside the Marketplace Many reputable insurers sell plans directly to consumers
While the HealthCare.gov Marketplace is the go-to for many, it isn't the only way to secure coverage. Whether you’re looking for a wider network of doctors, missed an enrollment deadline, or simply don’t qualify for government subsidies, "off-exchange" plans offer a viable alternative. These can be riskier but often have lower monthly premiums
Can I buy health insurance outside of the Marketplace ... - KFF
You cannot use federal premium tax credits or cost-sharing subsidies on these plans.