Off-Exchange Individual Insurance Overview

We Offer a Variety of Different Plan Options

At Apollo Insurance Group, we offer individual, family, disability, vision, dental, accident, critical illness, and gap insurance plans. With the increase in deductibles and out of pocket expense of health insurance shifting to the consumer, gap insurance plans have become the most important and popular plan we sell today.


What Does Off-Exchange Health Insurance Mean?

Off-exchange describes the plans that are available outside of the public exchange environment (or in the open market). The number one advantage to choosing off-exchange is the greater plan choice. This type of exchange can provide you with a choice of a different carrier, network, or drug list. Basically, choices that you can’t find on the exchange.


Under the Affordable Care Act, off-exchange insurance plans are obligated to cover the ten essential benefits, which are the ten categories of healthcare services that all health insurance plans are required to cover by law. These ten essential benefits include:

  • Ambulatory patient services
  • Emergency services
  • Hospitalization for surgery, overnight stays, and other conditions
  • Pregnancy, maternity, and newborn care
  • Mental health and substance use disorder services
  • Prescription drugs
  • Rehabilitative and habilitative services and treatment
  • Laboratory services
  • Preventive and wellness services, and chronic disease management
  • Pediatric services, which include dental and vision coverage for children




The number one reason to buy off-exchange is the variety of choices. Health insurance companies offer a lot of health plans that are not available through the exchange. The more choices you have, the better the opportunity to tailor a policy to meet your specific needs. Getting a health insurance quote does allows you to understand your options better.


Another great benefit to shopping off-exchange is the greater network of healthcare providers included in your plan. Buying off-exchange can give you access to larger provider networks and preferred doctors or hospitals that aren’t included in the plan on the exchange.

Lowering Your Out of Pocket Risks

Off-exchange plans have become more and more popular as the days of the marketplace are becoming more and more untenable. Things like PPO networks disappearing can mean fewer doctors to choose from, prescription co-pays eliminated, and out of control price increases. We have plans that are both ACA compliant and affordable. Off-exchange plans are considerably less than on exchange plans and with our help, your out of pocket risks are very limited. We view off-exchange plans as the coming future with more people buying these plans with every passing day.

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Our Goal

We have a passion for helping people. Our agents take a personal interest in striving to find the best plan for all of our clients. We listen to our client's needs and go to work researching our industry to find a plan that fits our clients' needs. This includes what is most important to us which is to work hand-in-hand to make sure our client has the best health insurance plan while staying within their budget.

How We Help

Similar to on-exchange, our off-exchange quoting system allows us to create a quote right away, in real time. We also have many carriers that allow us to search and find the best fit for your needs. Our ability to stay current on insurance industry changes as soon as they happen benefits our clients because it is above and beyond what they can research themselves. Call us today to identify an affordable health insurance solution for you.