What is the Difference between On- and Off-Exchange?

The main difference between On-Exchange and Off-Exchange is how you are enrolling in your chosen plan!


If you are an On-Exchange member, it means you enrolled in your plan on Healthcare.gov (the public exchange). Whether a broker or navigator assisted you with enrollment, as long as your plan is through Healthcare.gov, it is On-Exchange. With On-Exchange plans, you may be eligible for a tax credit depending on household size and income which could lower your monthly premium! On-Exchange members may also be eligible for Cost-Sharing Reduction (CSR) plans based on their income which also  lower deductibles and maximum out of pocket costs.


Off-Exchange is when you are enrolling directly through Common Ground Healthcare Cooperative (rather than on the public exchange). Off-Exchange plans are not eligible for a premium tax credit. These are plans you buy directly from CGHC or a licensed broker. Off-Exchange plans are often chosen by people who do not qualify for tax credits, which are based on income.


Most of our on-and-off- exchange plans are virtually identical, with a few exceptions. We want to offer all of our members valuable, comprehensive health insurance no matter their income eligibility or method of enrollment. If you’re not sure how to enroll, you can get free, professional assistance from our Sales team (855.494.2667), a health insurance broker near you, or a navigator (dial 2-1-1).


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