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This option is only available through strategies noted on the Exchange; off-marketplace plans award no such tax benefit. On the other hand, individuals who earn more than $46,000 each year (making them disqualified for the subsidy) may find a less costly health insurance outside the marketplace. Those who select to search plans outside the market are encouraged to do so with the support of an insurance broker. Brokers will assist you locate a health insurance that fulfills your requirements, th…