UnitedHealthcare Individual & Family ACA Marketplace plans

Looking for health care plans on the Affordable Care Act (ACA) Marketplace? UnitedHealthcare Individual & Family ACA Marketplace plans offer affordable, reliable coverage options for you and your family.

As part of the American Rescue Plan Act of 2021 and Inflation Reduction Act of 2022, many individuals and families are now eligible for lower — or in some cases $0 1 — monthly premiums for ACA Marketplace health coverage.

Shop UnitedHealthcare Individual & Family ACA Marketplace plans

2023 Open Enrollment starts Nov. 1, 2022 and ends Jan. 15, 2023 in most states

Enroll by Dec 15, 2022 for coverage starting Jan 1, 2023. If you wait and enroll by Jan 15, 2023 your coverage will start Feb 1, 2023.

Need to find healthcare coverage outside that enrollment window? You might qualify for a Special Enrollment Period (SEP). Learn about SEP.

Plans on the health care ACA Marketplace are categorized based on how you and your plan split the cost of your health care. They go by Bronze, Silver, Gold and Platinum — known as the “metal” categories. For 2023, UnitedHealthcare is offering plan options in the Bronze, Silver and Gold metal levels.

Find plans with unlimited $0 primary care visits2, $0 virtual urgent care,2, 3 $3 Tier 1 prescriptions at Walgreens,2, 4, 5 $100 rewards for health,6 and more.

You can also call 1-800-273-8095 / TTY 711 to learn more about your options.

Health care ACA Marketplace FAQs

Want to learn more about Marketplace plans? Let’s take a closer look at some questions you may have as you’re choosing a plan.

What are ACA Marketplace health insurance plans?

The health care Marketplace (also called the Exchange), is where ACA health care plans are sold. You may also hear names like ObamaCare and Individual & Family Plans. These are all health care plans that people can buy on their own, rather than through an employer or another government-run program, like Medicare or Medicaid.

How can I save money on the health care Marketplace?

Under the American Rescue Plan Act of 2021 (ARPA) and Inflation Reduction Act of 2022, you may be able to enroll in ACA Marketplace coverage with lower premiums and see if you qualify for financial subsidies. These subsidies could be tax credits or cost-sharing reductions to help pay for your health care costs.

See if you qualify for subsidies at UHCExchange.com or by calling 1-800-273-8095 / TTY 711.

Can I be covered with pre-existing conditions?

A pre-existing condition is a health problem you had before your health plan starts. Under current law, companies offering Marketplace health plans that meet minimum essential coverage requirements can’t refuse to cover you or charge you more because of a pre-existing condition.

What are qualifying life events?

A qualifying life event is a life-changing situation — like turning 26, moving to a new state, or having a baby — that can impact you and your health insurance. If you have a qualifying life event, you may be able to buy a new health plan during a Special Enrollment Period (SEP). Some states may offer SEPs for other qualifying reasons, like natural disaster relief or pandemic relief. Learn more about qualifying life events.

Need help finding a plan?

Answer a few questions to see which insurance options may be available for you.

Looking for ACA tax forms?

If you already have an ACA plan, there are 3 types of forms you may need to file for your taxes.

  • Form 1095-A is the Health Insurance Marketplace Statement. You'll receive this form if you enrolled in coverage through the Marketplace.
  • Form 1095-B is the Health Coverage form you may receive from your health insurance company. Sign in to your health plan member account to find this form.
  • Form 1095-C is the Employer-Provided Health Insurance Offer and Coverage form you may receive from your employer if you get your health plan through work.

Learn more about ACA tax forms from the Internal Revenue Service (IRS).