 [ Symptoms ] i am retired and i am 63 years old currently i self pay highmark for coverage  can i go directly to highmark and sign up so i can try to get a subsidy or do i have to go to the marketplace site to sign up [ Disease ] in order to take advantage of subsidies you must buy your insurance policy through your state is marketplace you can buy directly from the insurer but then you will miss out on any cost savings for which you are eligible