Americans who purchase individual health plans that are ACA-compliant through the marketplace in each state can in many cases achieve substantial cost savings through the Affordable Care Act’s premium subsidies (premium tax credits) and cost-sharing reductions. The premium subsidies have been enhanced by the American Rescue Plan, resulting in larger and more widely available subsidies. And the Inflation Reduction Act has extended these subsidy enhancements through 2025, ensuring that coverage will continue to be affordable for the next few years. Consumers can also purchase ACA-compliant coverage outside the marketplace (ie, “off-exchange“) nationwide, except in the District of Columbia, where individual health insurance can only be purchased through the marketplace. However, the premium subsidies and cost-sharing reductions are only available if a plan is purchased through the marketplace (this includes enrollments completed via a direct enrollment or enhanced direct enrollment entity).