Getting health insurance outside of healthcare.gov via an insurance agency in Delaware?

29M, state DE, no current illnesses or pre-existing conditions.

So I get my plan off the marketplace but the downsides to getting a plan off the marketplace is that you have to be working/have an income in order to get APTC and make sure you have a W-2 to keep your taxes low or get screwed during tax time if you made mostly 1099 income…and end up owing $2k or more in SE taxes yearly…ive been dealing with this issue since 2020 and I don't want to have to deal with this anymore. It's very inconvenient to work random jobs and constantly look for W-2 when it's already hard enough to land a decent paying W-2 job as it is in this country. That's why this ACA system is also broken when they based it off of income and TYPE of income made.

So I was thinking, why can't I go via a small business insurance agency/ a broker who can get me a health insurance plan directly from a insurer in DE like BCBS or from an insurer out of state and still pay an affordable monthly premium just like having APTC, same for dental and vision and even have a broker help me navigate insurance claims issues even in the time of a medical emergency? Getting a plan from a small business insurance agency/broker will have me avoid

having to deal with taking on unnecessary APTC, more paperwork during tax time from healthcare.gov No more reporting stupid income when you have trouble finding a job during unemployment…I can just keep the non-Obamacare plan found by the broker directly from the insurer instead of the marketplace at an affordable premium monthly price with just as much of the same Obamacare level coverage for the non-Obamacare plan that's directly from the insurer even if I do get employed or still remain unemployed for the entire year… And not having to pay so much in 1099 taxes if you can't get a W-2 job in time before the year is over to avoid paying back APTC Not have to deal with the BS of picking up insurance off the marketplace BEFORE or AFTER the 15th of a month rule if you get fired from a job and having to wait an entire month before a plan can kick in if it's after the 15th of a month… Not have to deal with shitty employer coverage issue if the employer plan is declared as "affordable", the marketplace forces you to be on the shitty employer plan otherwise you risk having to pay back all the APTC bcuz you didn't pickup the poor employer plan cuz that's the the healthcare.gov rule everyone has to follow…

Yeah, I can keep going with the issues/hassles way too much stress to deal with taking a marketplace plan…almost as if the Democrats have brainwashed everyone when it's hard enough as it is…they want everyone working when it's already hard enough to land decent jobs…the ONLY good thing about the marketplace is that IT LETS SICK PPL with a pre-existing health condition take up plans to avoid themselves from being bankrupt bcuz I imagine the broker plans outside healthcare.gov DO discriminate against those that have pre-existing conditions and will always find ways to deny the claim permanently…

So regarding the small business insurance agency/broker strategy I mentioned above, is there any misconception I'm not sure about/any detail I'm missing?

submitted by /u/Lock3tteDown
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