UnitedHealthcare Individual & Family ACA Marketplace plans include 5 plan types — Essential, Virtual, Value, Advantage and Copay Focus. Each plan type offers varying coverage levels to meet your needs and budget. Let’s take a closer look at your 2024 ACA Marketplace plan options and find a plan that’s right for you.
Learn about each of our ACA Marketplace plans and how they may be a good fit.
This is our lowest-cost plan. Your monthly premium could be as low as $0, but you'll pay more when you get care, compared to our other plans. Essential plans are available at the Bronze metal level only.
You rarely see your doctor. You want a low-cost way to protect yourself from worst-case medical scenarios, like serious illness or injury.
ON-SCREEN TEXT: Individual & Family ACA Marketplace health plans
UnitedHealthcare Essential Plan
ON-SCREEN TEXT: Essential Plan
Your budget + Coverage that fits your needs
fits your budget and your health needs. It’s a great choice if you rarely see a doctor or want protection from serious illness or injury.
ON-SCREEN TEXT: Premiums as low as $0 1
Your monthly premium could be as low as zero dollars but you’ll pay more for care compared to our other plans.
ON-SCREEN TEXT: $0 virtual urgent care 2
You’ll get benefits like zero dollar virtual urgent care,
ON-SCREEN TEXT: $5 or less prescription drugs 2
low cost prescription drugs
ON-SCREEN TEXT: $100 in rewards 2
and up to $100 in rewards.
ON-SCREEN TEXT: Prescription delivery at no additional cost 3
Plus, extras like no cost delivery for prescriptions,
ON-SCREEN TEXT: 20% off Walgreens branded products 3
discounts on Walgreens health and wellness products,
ON-SCREEN TEXT: On-demand fitness classes 3
and on-demand fitness classes.
ON-SCREEN TEXT: In-network providers
And remember, UnitedHealthcare plans give you access to a huge selection of in-network providers
ON-SCREEN TEXT: In-network pharmacies
and over 40,000 in-network pharmacies.
ON-SCREEN TEXT: Enroll in an Individual & Family ACA Marketplace plan today
Get no-cost 1-on-1 help to enroll in a plan today.
1 To qualify for a $0 monthly premium, you must meet household income requirements for Advanced Premium Tax Credits.
2 The benefits described may not be offered in all plans or in all states. Some plans may require copayments, deductibles and/or coinsurance for these benefits. This policy has exclusions, limitations, reductions of benefits, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, review your plan documents, call or write your insurance agent or the company, whichever is applicable. Plan specifics and benefits vary by coverage area and by plan category. Please review plan details to learn more. By responding to this offer, you agree that a representative may contact you.
3 UnitedHealthcare Internal Analysis, June 2023
UnitedHealthcare Individual & Family plans medical plan coverage offered by: UnitedHealthcare of Arizona, Inc.; Rocky Mountain Health Maintenance Organization Incorporated in CO; UnitedHealthcare of Florida, Inc.; UnitedHealthcare of Georgia, Inc; UnitedHealthcare of Illinois, Inc.; UnitedHealthcare Insurance Company in AL, KS, LA, MO, NJ, and TN; Optimum Choice, Inc. in MD and VA; UnitedHealthcare Community Plan, Inc. in MI; UnitedHealthcare of Mississippi, Inc.; UnitedHealthcare of New Mexico, Inc.; UnitedHealthcare of North Carolina, Inc.; UnitedHealthcare of Ohio, Inc.; UnitedHealthcare of Oklahoma, Inc.; UnitedHealthcare of South Carolina, Inc.; UnitedHealthcare of Texas, Inc.; UnitedHealthcare of Oregon, Inc. in WA; and UnitedHealthcare of Wisconsin, Inc. Administrative services provided by United HealthCare Services, Inc. or its affiliates.
Built with flexibility and convenience on the go, this plan offers unlimited 24/7 $0 virtual care through the Galileo mobile app. Your 24/7 access to virtual care lets you interact with your doctor on your own schedule, when it’s most convenient for you. The Galileo mobile app will be your first stop for all your care needs, from everyday to urgent — including virtual primary and virtual specialty care. Virtual First and Virtual Access plans are available at the Bronze, Silver and Gold metal levels.
You like the convenience to text or have a video visit with a doctor instead of heading to the clinic.
This may be the plan for you. It offers the option to get your Galileo communications in Spanish and connect with a Spanish-speaking Galileo doctor right away.
ON-SCREEN TEXT: Individual & Family ACA Marketplace health plans
Virtual First Plan
Your digital lifestyle + Benefits at your fingertips
The UnitedHealthcare Virtual First plan fits your digital lifestyle with care at your fingertips.
It’s a great choice if you prefer to talk, text or have a video visit with a doctor instead of going to the clinic.
Virtual First health care plans include zero-dollar unlimited virtual care.
ON-SCREEN TEXT: 24/7 access to care with Galileo app
Using the Galileo app, you’ll have 24/7 access to primary, specialty and urgent care. Including care from Spanish-speaking doctors.
ON-SCREEN TEXT: $5 or less prescription drugs 1
You’ll also get benefits like prescription drugs for five dollars or less
ON-SCREEN TEXT: Network pharmacies
from thousands of in-network pharmacies
ON-SCREEN TEXT: Prescriptions delivered at no additional cost
and no-cost prescription delivery.
ON-SCREEN TEXT: Earn $100 in rewards 1
20% off Walgreens brand products 1
Digital fitness classes on-demand
Plus, extras like rewards, discounts at Walgreens and on-demand digital fitness classes.
ON-SCREEN TEXT: Enroll in an Individual & Family ACA Marketplace plan today
Virtual First Plan
Get no-cost one-on-one help today.
1 The benefits described may not be offered in all plans or in all states. Some plans may require copayments, deductibles and/or coinsurance for these benefits. This policy has exclusions, limitations, reductions of benefits, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, review your plan documents, call or write your insurance agent or the company, whichever is applicable. Plan specifics and benefits vary by coverage area and by plan category. Please review plan details to learn more. By responding to this offer, you agree that a representative may contact you.
UnitedHealthcare Individual & Family plans medical plan coverage offered by: UnitedHealthcare of Arizona, Inc.; Rocky Mountain Health Maintenance Organization Incorporated in CO; UnitedHealthcare of Florida, Inc.; UnitedHealthcare of Georgia, Inc; UnitedHealthcare of Illinois, Inc.; UnitedHealthcare Insurance Company in AL, KS, LA, MO, NJ, and TN; Optimum Choice, Inc. in MD and VA; UnitedHealthcare Community Plan, Inc. in MI; UnitedHealthcare of Mississippi, Inc.; UnitedHealthcare of New Mexico, Inc.; UnitedHealthcare of North Carolina, Inc.; UnitedHealthcare of Ohio, Inc.; UnitedHealthcare of Oklahoma, Inc.; UnitedHealthcare of South Carolina, Inc.; UnitedHealthcare of Texas, Inc.; UnitedHealthcare of Oregon, Inc. in WA; and UnitedHealthcare of Wisconsin, Inc. Administrative services provided by United HealthCare Services, Inc. or its affiliates.
This plan isn’t as low-cost as Essential, but it’s close. It offers low-copay primary care visits with your doctor, and an HSA option. Like our other plans, this plan also has the option for virtual care. Value plans are available at the Bronze, Silver and Gold metal levels.
You regularly see your doctor and want something with a few more benefits than the basic Essential plan, without paying a lot for it.
ON-SCREEN TEXT: Individual & Family ACA Marketplace health plans
Your budget + Coverage that fits
The UnitedHealthcare Value Plan offers a balance of coverage that fits your budget and needs.
It’s a great choice if you see your doctor regularly but don’t want to break your budget.
ON-SCREEN TEXT: Low-cost primary care
Value plans offer primary care at low or no cost.
ON-SCREEN TEXT: $0 unlimited virtual urgent care 1
$5 or less prescription drugs 1
You’ll also get benefits like zero-dollar virtual urgent care and prescription drugs at five dollars or less.
ON-SCREEN TEXT: Health Savings Account
Some Value plans also offer a Health Savings Account option.
ON-SCREEN TEXT: Earn $100 in rewards 1
20% off Walgreens brand products 1
Digital fitness classes on-demand
With extras like a hundred dollars in rewards, Walgreens discounts, and on-demand digital fitness classes, the Value Plan keeps you covered at a price that fits your budget.
ON-SCREEN TEXT: Network providers
And remember, UnitedHealthcare plans give you access to a huge selection of in-network providers and over 40,000 in-network pharmacies.
ON-SCREEN TEXT: Enroll in an Individual & Family ACA Marketplace plan today
Get no-cost one-on-one help today.
1 The benefits described may not be offered in all plans or in all states. Some plans may require copayments, deductibles and/or coinsurance for these benefits. This policy has exclusions, limitations, reductions of benefits, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, review your plan documents, call or write your insurance agent or the company, whichever is applicable. Plan specifics and benefits vary by coverage area and by plan category. Please review plan details to learn more. By responding to this offer, you agree that a representative may contact you.
UnitedHealthcare Individual & Family plans medical plan coverage offered by: UnitedHealthcare of Arizona, Inc.; Rocky Mountain Health Maintenance Organization Incorporated in CO; UnitedHealthcare of Florida, Inc.; UnitedHealthcare of Georgia, Inc; UnitedHealthcare of Illinois, Inc.; UnitedHealthcare Insurance Company in AL, KS, LA, MO, NJ, and TN; Optimum Choice, Inc. in MD and VA; UnitedHealthcare Community Plan, Inc. in MI; UnitedHealthcare of Mississippi, Inc.; UnitedHealthcare of New Mexico, Inc.; UnitedHealthcare of North Carolina, Inc.; UnitedHealthcare of Ohio, Inc.; UnitedHealthcare of Oklahoma, Inc.; UnitedHealthcare of South Carolina, Inc.; UnitedHealthcare of Texas, Inc.; UnitedHealthcare of Oregon, Inc. in WA; and UnitedHealthcare of Wisconsin, Inc. Administrative services provided by United HealthCare Services, Inc. or its affiliates.
This is our richest plan with the most coverage. It could be a good fit if you’re used to having lots of coverage and perks (like embedded adult vision and dental benefits). Advantage plans are available at the Silver and Gold metal levels.
You see your doctor often. You’re typically willing to pay a little more each month in order to pay less (usually copays) when you get care.
ON-SCREEN TEXT: Individual & Family ACA Marketplace health plans
Your health needs + Coverage and benefits that fit
The UnitedHealthcare Advantage Plan gives you lots of benefits that fit your health needs.
This plan is a great choice if you see your doctor often and want a plan with lots of extras.
ON-SCREEN TEXT: $0 primary care 1
You’ll get lots of benefits like zero-dollar primary care,
ON-SCREEN TEXT: $0 virtual urgent care 1
and zero-dollar virtual urgent care,
ON-SCREEN TEXT: $5 or less prescription drugs 1
prescription drugs at five dollars or less,
ON-SCREEN TEXT: Earn $100 in rewards 1
and up to one hundred dollars in rewards.
ON-SCREEN TEXT: $0 dental preventive visits 1
You’ll also get zero-dollar dental preventive visits
ON-SCREEN TEXT: $0 routine vision exams 1
and zero dollar routine vision exams.
ON-SCREEN TEXT: Prescription delivery at no additional cost
20% off Walgreens brand products 1
$0 gym membership 1
Digital fitness classes on-demand
With extras like no cost delivery for prescriptions, Walgreens discounts, zero dollar memberships at in-network gyms, and on-demand digital fitness classes, the Advantage Plan helps you feel confident your needs are covered.
ON-SCREEN TEXT: Network providers
And remember, UnitedHealthcare plans give you access to a huge selection of in-network providers
ON-SCREEN TEXT: Network pharmacies
and over 40,000 in-network pharmacies.
ON-SCREEN TEXT: Enroll in an Individual & Family ACA Marketplace plan today
Get no-cost one-on-one help today.
1 The benefits described may not be offered in all plans or in all states. Some plans may require copayments, deductibles and/or coinsurance for these benefits. This policy has exclusions, limitations, reductions of benefits, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, review your plan documents, call or write your insurance agent or the company, whichever is applicable. Plan specifics and benefits vary by coverage area and by plan category. Please review plan details to learn more. By responding to this offer, you agree that a representative may contact you.
UnitedHealthcare Individual & Family plans medical plan coverage offered by: UnitedHealthcare of Arizona, Inc.; Rocky Mountain Health Maintenance Organization Incorporated in CO; UnitedHealthcare of Florida, Inc.; UnitedHealthcare of Georgia, Inc; UnitedHealthcare of Illinois, Inc.; UnitedHealthcare Insurance Company in AL, KS, LA, MO, NJ, and TN; Optimum Choice, Inc. in MD and VA; UnitedHealthcare Community Plan, Inc. in MI; UnitedHealthcare of Mississippi, Inc.; UnitedHealthcare of New Mexico, Inc.; UnitedHealthcare of North Carolina, Inc.; UnitedHealthcare of Ohio, Inc.; UnitedHealthcare of Oklahoma, Inc.; UnitedHealthcare of South Carolina, Inc.; UnitedHealthcare of Texas, Inc.; UnitedHealthcare of Oregon, Inc. in WA; and UnitedHealthcare of Wisconsin, Inc. Administrative services provided by United HealthCare Services, Inc. or its affiliates.
With a $0 deductible, you won't have to worry about paying out-of-pocket costs before your plan kicks in. You'll pay defined copays, like $15 or $30, for most services starting the first day of your plan. Copay Focus plans are available at the Bronze, Silver and Gold metal levels.
You like greater cost transparency. You’re typically willing to pay a little more each month in order to pay lower, defined copays when you get care.
ON-SCREEN TEXT: Copay Focus Plan
Your budget + Coverage that fits your needs
The UnitedHealthcare Copay Focus Plan gives you predictable costs while fitting your health needs.
It’s a great choice if you want to know how much your care costs before you see a doctor.
ON-SCREEN TEXT: $0 medical deductible 1
With $0 medical deductible, you won’t have to worry about paying out of pocket to reach a deductible before your plan kicks in.
ON-SCREEN TEXT: $0 virtual urgent care 1
$5 or less prescription drugs 1
$100 in rewards 1
You’ll get benefits like low-cost virtual care, low-cost prescription drugs and up to a hundred dollars in rewards.
ON-SCREEN TEXT: No-cost prescription delivery 1
20% off Walgreens brand products 1
Digital fitness classes on-demand 1
With extras like no-cost delivery for prescriptions, discounts on Walgreens health and wellness products, and on-demand digital fitness classes, the Copay Focus plan keeps you covered at a price you can count on.
ON-SCREEN TEXT: Network providers
And remember, UnitedHealthcare plans give you access to a huge selection of in-network providers and over 40,000 in-network pharmacies.
ON-SCREEN TEXT: Enroll in an Individual & Family ACA Marketplace plan today
Copay Focus Plan
Get no-cost one-on-one help to enroll in a plan today.
1 The benefits described may not be offered in all plans or in all states. Some plans may require copayments, deductibles and/or coinsurance for these benefits. This policy has exclusions, limitations, reductions of benefits, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, review your plan documents, call or write your insurance agent or the company, whichever is applicable. Plan specifics and benefits vary by coverage area and by plan category. Please review plan details to learn more. By responding to this offer, you agree that a representative may contact you.
UnitedHealthcare Individual & Family plans medical plan coverage offered by: UnitedHealthcare of Arizona, Inc.; Rocky Mountain Health Maintenance Organization Incorporated in CO; UnitedHealthcare of Florida, Inc.; UnitedHealthcare of Georgia, Inc; UnitedHealthcare of Illinois, Inc.; UnitedHealthcare Insurance Company in AL, KS, LA, MO, NJ, and TN; Optimum Choice, Inc. in MD and VA; UnitedHealthcare Community Plan, Inc. in MI; UnitedHealthcare of Mississippi, Inc.; UnitedHealthcare of New Mexico, Inc.; UnitedHealthcare of North Carolina, Inc.; UnitedHealthcare of Ohio, Inc.; UnitedHealthcare of Oklahoma, Inc.; UnitedHealthcare of South Carolina, Inc.; UnitedHealthcare of Texas, Inc.; UnitedHealthcare of Oregon, Inc. in WA; and UnitedHealthcare of Wisconsin, Inc. Administrative services provided by United HealthCare Services, Inc. or its affiliates.
Our ACA plans come with extra savings and benefits at no additional cost. Some of the benefits you could get with one of our Individual & Family plans include:
Enjoy unlimited visits when you choose a network primary care provider (PCP) to be your go-to for things like annual checkups, screenings and help managing chronic conditions. When you see your PCP, your visits are $0 5 with most plans.
With most plans, you get unlimited $0 5 virtual urgent care visits with a doctor who’s available to provide urgent, specialty and primary care online. Get a diagnosis and even get a prescription if you need one — day or night.
Pay a $5 6 copay (or less) for Tier 2 generic prescriptions at over 40,000 network pharmacies. Plus, get member-exclusive discounts, like 20% off Walgreens brand health and wellness products.
Earn a $100 7 reward on a prepaid Visa card by completing 5 steps: visit your primary care provider, register your online account at myuhc.com, sign up for paperless communications and text messages, and set up Autopay.
Get access to a premium library with thousands of live and on-demand digital fitness classes included in your plan. There’s something for nearly every fitness interest, ability and schedule, from yoga to strength training to meditation.
Some UnitedHealthcare ACA Marketplace plans may include additional benefits like prescriptions delivered to your door, adult routine vision coverage 3 , $0 3 adult routine dental visits and care, and health savings account (HSA) eligibility.
| Plan name | Monthly premiums | Annual deductible | Unique plan benefits |
|---|---|---|---|
| Essential | Basic coverage for serious illness or injury. | ||
| Virtual | Unlimited 24/7 access to $0 virtual primary, urgent and specialty care. 5 | ||
| Value | HSA-eligible plans with low-cost primary care and $0 virtual urgent care. 5 | ||
| Advantage | Extras like adult dental and vision coverage 3 , and $0 in-person fitness membership. 8 | ||
| Copay Focus | $0 medical deductible | Defined copays (typically $15 to $30) for care. 4 |
With 30 years in the business, we’ve got the experience to deliver plans designed for your unique needs.
All plans sold on the health care Marketplace are required to cover 10 essential health benefits. Keep in mind, these are minimum requirements. That means most Affordable Care Act (ACA) plans (like UnitedHealthcare Individual & Family Marketplace plans) may offer these and many more benefits.
No matter which Marketplace plan you choose, you’re guaranteed to have the following benefits:
All plans include a yearly wellness exam (physical) with your primary care provider. Your yearly exam is a good opportunity to check in with your doctor on how you’re feeling. It’s your chance to bring up any health concerns or questions — and get answers from your doctor.
Here are common things that may happen during your yearly exam:
A plan’s network is a group of facilities, providers and suppliers your health insurer or plan has contracted with to provide health care services. It’s important to see doctors within your plan’s network to make sure your visit is covered by your plan. (So you don’t have to pay more out-of-pocket.) To check your UnitedHealthcare provider directory online, sign in to your member account.
Your primary care provider (PCP) is the doctor, nurse practitioner or physician's assistant you'll see for most of your care. You can see them for things like yearly checkups, screenings, chronic conditions and everyday concerns. Plus, they can refer you to a network specialist if you need one.
Your welcome kit will let you know if your plan requires a referral before you can see a network specialist. If that’s the case, your doctor will send us a referral for the specialist you want to see before you make your appointment. This extra step helps us make sure that specialist is in our network, and that your plan will help cover the cost.
Enter your ZIP code to see plans in your area.
Talk with a licensed insurance agent at:
1-800-557-6718, TTY 711
8 a.m. – 8 p.m. ET, Monday – Friday
9 a.m. – 5:30 p.m. ET, Saturday
Closed: Sunday
Call our Member Services team at:
1-877-265-9199, TTY 711
24/7 Member Services + Care Support or sign in to our member site.
Get helpful tips and information to help you better understand your options. 13
UnitedHealthcare Individual & Family plans medical plan coverage offered by: UnitedHealthcare of Arizona, Inc.; Rocky Mountain Health Maintenance Organization Incorporated in CO; UnitedHealthcare of Florida, Inc.; UnitedHealthcare of Georgia, Inc; UnitedHealthcare of Illinois, Inc.; UnitedHealthcare Insurance Company in AL, KS, LA, MO, NJ, and TN; Optimum Choice, Inc. in MD and VA; UnitedHealthcare Community Plan, Inc. in MI; UnitedHealthcare of Mississippi, Inc.; UnitedHealthcare of New Mexico, Inc.; UnitedHealthcare of North Carolina, Inc.; UnitedHealthcare of Ohio, Inc.; UnitedHealthcare of Oklahoma, Inc.; UnitedHealthcare of South Carolina, Inc.; UnitedHealthcare of Texas, Inc.; UnitedHealthcare of Oregon, Inc. in WA; and UnitedHealthcare of Wisconsin, Inc. Administrative services provided by United HealthCare Services, Inc. or its affiliates.
This policy has exclusions, limitations, reduction of benefits, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call or write your insurance agent or the company, whichever is applicable. By responding to this offer, you agree that a representative may contact you.
The benefits described may not be offered in all plans or in all states. Some plans may require copayments, deductibles and/or coinsurance for these benefits. This policy has exclusions, limitations, reductions of benefits, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, review your plan documents, call or write your insurance agent or the company, whichever is applicable. Plan specifics and benefits vary by coverage area and by plan category. Please review plan details to learn more.
