On-Exchange:
Health insurance plans that are offered through the Marketplace – the Marketplace is similar a large online retail shopping store but for health insurance. Texas does not have their own state-run store; Texans purchase plans through Healthcare.gov. All Marketplace plans are required to provide essential health benefits and follow guidelines as set by the Affordable Care Act (ACA).
With On-Exchange plans, you may be eligible to receive a government subsidy depending on your household size and income, meaning that your monthly health insurance costs could be lower.
Off-Exchange:
Health insurance plans that are offered privately by each health insurance company. These plans also offer most if not all the essential health benefits as their on-exchange counterparts and are usually a mirror of their on-exchange plans. The names of the plans are often exactly the same as well.
The difference? You can’t buy these plans from Healthcare.gov. You also won't receive a government subsidy or discounts for these plans.
Effective January 1, 2023
- Bronze S
- Silver 1
- Silver 2
- Silver 3
- Silver 4
- Silver S
- Gold
- Gold S
*All Houston area Aetna CVS Health plans are accepted at Kelsey-Seybold Clinic*