How to apply for the ACA if your income is too high for tax credits

If you're not eligible for lower costs on a health plan because your income is too high, you can still buy health coverage through the Health Insurance Marketplace. To apply, create an account or log in to your existing account.

You can also get insurance other ways — through a private insurance company, an online insurance seller, or an agent or broker.

First: Do a quick check to see if you may save

• Take one minute to see if your income falls in the range to qualify for savings. If it does, enrolling in a Marketplace plan is the only way to get savings on monthly premiums and other costs based on your income.
• Learn how to estimate your income and household size.

Don't qualify for savings? Three other ways to buy a health plan

• Directly from an insurance company. You can contact any health insurance company and see plans available in your area. Many have websites that let you compare all plans they sell.
• Through an insurance agent or broker. Generally, agents work for a single health insurance company, while brokers sell plans from several. Both can help you compare plans and enroll. You don't pay more by using an agent or broker. They're generally paid by the insurance company whose plans they sell. They may sell only certain companies' plans. Search for health insurance agents and brokers near you using our Find Local Help tool.
• From an online health insurance seller. These services offer health plans from a number of insurance companies. They let you compare prices and features and then enroll with the insurance company. They may not offer all plans available in your area.