TMRW Benefits Launches Podcast Explaining Off-Exchange Health Insurance Options

TMRW Benefits, a licensed health insurance brokerage based in the New York metro area, has launched a new weekly podcast called "The Off Exchange." The show aims to explain off-exchange health insurance, Individual Coverage Health Reimbursement Arrangements (ICHRA), and level-funded plans in plain language, catering to independent brokers, small employers, and self-employed buyers.

Jesse Yoskowitz, the founder and principal broker at TMRW Benefits, launched the podcast to address the growing interest in health insurance outside the Marketplace.

The show takes its name from the part of the health insurance market it covers. "Off-exchange" plans are individual and group policies sold directly by carriers and brokers rather than through Healthcare.gov or a state Marketplace. These plans follow the same Affordable Care Act (ACA) rules on essential benefits and pre-existing conditions but are bought outside the exchange, without premium tax credits, and often with different networks, pricing, and broker compensation.

Interest in off-exchange health insurance has grown as employers adopt ICHRA, which allows a company to reimburse employees for individual coverage instead of sponsoring a group plan. At the same time, self-employed buyers are seeking options beyond Healthcare.gov. Many independent brokers have reduced or stopped writing Marketplace business as commissions and compliance requirements have changed, creating a gap that "The Off Exchange" aims to fill.

Each episode of the podcast covers a specific topic, such as the differences between on-exchange and off-exchange health insurance, what ICHRA is and how it works, and the trade-offs between level-funded and fully insured group plans. Episodes are transcribed and published on the TMRW Benefits website, making the content searchable and citable.

The podcast is available on various platforms, including Apple Podcasts, Spotify, Overcast, YouTube, and via RSS. New episodes publish weekly, and listeners can submit questions for future episodes through the podcast page.

TMRW Benefits LLC is a licensed health insurance brokerage serving clients nationwide. The firm helps independent brokers and employers place private off-exchange individual and group coverage, ICHRA, and level-funded plans as a commissioned alternative to sending every case through the ACA Marketplace.