3. Agent or broker
An independent health insurance agent or broker can help you shop around for insurance options that aren't available through HealthCare.gov, compare them to your options on the Marketplace, and help you navigate any health insurance subsidies for which you're eligible.
An agent or broker can also help you enroll in short-term health insurance if you're outside of the open enrollment period for traditional plans and don't qualify for a special enrollment period.
4. Professional or trade associations
If you're a member of a professional association or trade organization, you may be able to buy health insurance through the organization. The members of some groups may be able to buy into group plans with somewhat lower rates than those offered to individuals, just like employees of a small business benefit from lower group rates offered to an employer. Some organizations that offer health insurance benefits include the Small Business Service Bureau5 and Freelancers Union.6
Before you join, consider the cost of membership and the value of the benefit you'll receive. Even if cheaper insurance is available to members, you'll need to make sure you save at least enough to offset the cost of any membership fees. And be aware buying an insurance plan off the exchange typically only makes sense if you don't expect to qualify for any premium subsidies through the ACA.