If you cut through the noise and dissension about the new health insurance government exchanges that don’t seem to work, you may wonder if you have any other options. Unless you live in Vermont or the District of Columbia, you have options outside the exchange.

You can contact insurance brokers, companies or experienced professionals, like Bernardini & Donovan Insurance health plan experts. You can only buy coverage that complies with the Affordable Care Act (ACT), not one of the plans that were terminated as of January 1, 2014.

The main feature of the exchanges, the tax credits or subsidies that can lower your health plan costs, are not available when you choose one of the options outside the exchange. However, insurance carriers selling product on and off government exchanges must offer their plans at the same price.

There is no consensus as yet about the better choice for individuals. Supporters of private plans contend that, if you’re not seeking government subsidies, you’ll have greater varieties of plans to evaluate. Since plans differ from state-to-state, you should make the most informed decision you can.

Still confused? If you live in California, contact Bernardini & Donovan Insurance. Their professionals will cut through the noise and confusion, giving you the information you need to make the best health insurance decision for your needs and budget.