Insurers Leaving An Exchange May Still Sell Individual Plans

He's off the exchange but will sell you a plan anyway.i

“He’s off the exchange but will sell you a plan anyway.”

Jonathan McHugh/Getty Images/Ikon Images


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Jonathan McHugh/Getty Images/Ikon Images

He's off the exchange but will sell you a plan anyway.

“He’s off the exchange but will sell you a plan anyway.”

Jonathan McHugh/Getty Images/Ikon Images

When insurers pull out of the health law marketplaces, will customers buying plans outside those exchanges lose access, too? And do families have to meet two deductibles if each spouse has a separate insurance plan? Here are the answers.

I see story after story about insurance companies leaving some state health insurance exchanges, but does that mean they’ll stop selling health insurance on the individual market altogether? Will these companies’ policies still be an option for those of us who buy coverage off of the exchange since, for example, we don’t qualify for subsidies?

An insurer’s decision to stop selling plans on the marketplace doesn’t necessarily mean it will stop selling individual coverage in that state altogether. This year, for example, Aetna stopped selling individual plans on the marketplaces in Kansas, Utah

Article source: http://www.npr.org/sections/health-shots/2016/05/17/478359015/insurers-leaving-an-exchange-may-still-sell-individual-plans?utm_medium=RSS&utm_campaign=affordablecareact

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