Shop off-exchange through a broker, directly with insurers, or via small-group...

https://web-wiki.win/index.php/I_Only_Cared_About_Low_Premiums%E2%80%94and_Got_Burned._What_Did_I_Miss%3F

Shop off-exchange through a broker, directly with insurers, or via small-group plans if eligible. Check provider networks first: confirm your doctors and nearby hospitals are in-network with the insurer, not just the online directory.