This can happen for a number of reasons, but mostly we want to point you in the direction of the most cost effective coverage!
As an example, if you report that your income for 2020 qualifies you for Medicaid, you will become ineligible for premium tax credit subsidies and cost sharing reductions. This will significantly raise your costs!
Additionally, at certain income levels in certain states, you may be required to enroll your children in Medicaid in order for you to receive government subsidies and cost sharing reductions. In this case, if a family wanted to keep their children on the same plan, they would have to pay full price.
We direct folks to Medicaid simply because we believe it to be the most cost effective coverage for you and whoever else you may be applying for coverage with!
If you still wish to purchase a private insurance plan for you and your family and forgo the medicaid option, just update your health profile by answering "no" to government assistance. You will be ineligible for premium assistance and you'll be given the option to shop for full price plans for you and your dependents!