I buy my Blue Shield insurance off exchange, however it seems to be an identical plan to one that is on the exchange, but about $80/mo. cheaper. I think this has something to do with the games that some states play with the second lowest cost silver plan. I don't qualify for subsidies, but California gives everyone $1 to used Covered California. I was nervous the first year I chose this Off Exchange plan because if my income was low enough I couldn't get subsidies retroactively since it wasn't an exchange plan, but this is now the third or fourth year I have done it. As a single with a large taxable account, there just wasn't any way to get my income low enough to qualify for subsidies.
Statistics: Posted by LuckyInLife — Wed Feb 04, 2026 1:39 pm — Replies 3 — Views 188