Looking ahead to next year, “most carriers are following the same [application] cutoff dates on and off the exchange,” she says. But nothing is set in stone, and “I wouldn’t be surprised ... if they might extend the cutoff to get more business.”
But there is a potential downside to buying a plan outside the exchanges. Consumers with incomes up to 400 percent of the federal poverty level ($45,960 for an individual and $94,200 for a family of four in 2013) may be eligible for subsidies to make coverage more affordable if they buy a plan on a state marketplace. Those subsidies aren’t available for non-exchange plans.
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Mon, Dec 19 2011