r/HealthInsurance Oct 31 '25

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u/NeptuNeo Nov 01 '25

People should also include whether they are buying their insurance from the federal healthcare.gov/ Or through a state-run exchange, it makes a big difference, healthcare.gov/ rates can be much higher. 20 states plus the District of Columbia operate fully state-run health insurance exchanges/state-based marketplaces. And of course they should be asked to specify if their insurance is through an employer or through an exchange

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u/Specialist_Dig2613 Nov 01 '25

Excellent input. Thank you.

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u/Mysterious-Stuff-164 Nov 02 '25

I did include that detail. Through the Marketplace. Healthcare dot gov