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.

See Individual & Family ACA plans

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. L earn more about qualifying life events.

Need help finding a plan?

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

Help me find a plan

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).

Footnotes

Premium subsidies vary by address and subject to eligibility. Those with incomes between 100% and 150% of the federal poverty level (FPL) may qualify for a zero-dollar premium silver plan (after tax credits). They may also qualify for a zero-dollar premium bronze plan (after tax credits). Cost sharing (deductibles and coinsurance) may be higher.
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. 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.
Virtual visits conducted by telephone or video chat with a doctor are not an insurance product, health care provider or a health plan. Unless otherwise required, benefits are available only when services are delivered through a Designated Virtual Network Provider. Data rates may apply. Virtual visits are not intended to address emergency or life-threatening medical conditions and should not be used in those circumstances. Services may not be available at all times, or in all locations, or for all members, and visit limits may apply. Check your benefit plan to determine if these services are available.
Walgreens discount valid until 12/31/23. Discount valid only for in-store purchases of eligible Walgreens brand health and wellness products by current members eligible for the United Healthcare discount program. Discount cannot be used online. For full list of Walgreens brand health and wellness products, please visit www.walgreens.com/Smartsavings. Offer not available on the following items: photo orders, prescriptions, tobacco, dairy, alcohol, liquor departments, phone/prepaid/gift cards, money orders/transfers, transportation passes, lottery tickets, charitable donations, pseudoephedrine or ephedrine products, newspapers, magazines, stamps, home medical equipment and durable medical equipment products, pharmacy items and services, Prescriptions Savings Club membership fee, and items or services submitted to insurance for reimbursement or where otherwise limited by law. Walgreens reserves the right to discontinue the offer at its discretion.Discount valid until 12/31/22. Discount valid only for in-store purchases of eligible Walgreens brand health and wellness products by current members eligible for the UnitedHealthcare discount program. Discount cannot be used online. Walgreens can discontinue program at their discretion. Walgreens brand health and wellness products include the following categories: acne, allergy, blood pressure and diagnostics, children’s medications, cough/cold relief, dental, diabetes, diet aids and supplements, digestive health and nausea, ear care, elastic wraps and braces, eye care, family planning, feminine hygiene, first aid, foot care, hair care (medicated only), hand/body lotions (select), hand sanitizer, healthcare appliances, hearing aid batteries, home healthcare solutions, humidifiers, incontinence, ointments, pain relief, reader glasses, sanitary, sleep aids, smoking cessation, sun care, vaporizers and vitamins & supplements. Excludes photo orders, prescriptions, tobacco, dairy, alcohol, liquor departments, phone/prepaid/gift cards, money orders/transfers, transportation passes, lottery tickets, charitable donations, pseudoephedrine or ephedrine products, newspapers, magazines, stamps, home medical equipment and durable medical equipment products, pharmacy items and services, Prescriptions Savings Club membership fee, and items or services submitted to insurance for reimbursement or where otherwise limited by law.
CO specific: $3 copays for Preferred generic drugs or something similar.
Members age 18 and over can earn a $100 gift card for select retail participants upon completion of four activities: 1) Member sees their primary care provider for a wellness visit; 2) Member signs up for text messages from UnitedHealthcare; 3) Member opts in to paperless communications; and 4) The subscriber of the plan signs up for auto-pay of premiums on behalf of all members enrolled on their plan. Limit one gift card per eligible member. Eligible members who are unable to participate in a qualifying activity may be permitted to earn the same reward in a different way. Contact us to learn more. Gift card details: If you select a digital Amazon.com Gift Card, it will be emailed within 24 hours of you submitting your form. The gift card will be sent to the email address you provided. Watch for an email from order@my-orderstatus.com. If you select a Walmart or Walgreens Gift Card, it will be sent within 2-4 days of you submitting your form, and will be sent via U.S. Post to the address you provided. Delivery times may depend on your local U.S. Postal Service. If you have been waiting longer than the time frames mentioned above, go to https://uhchealthyrewards.com/contact-us, enter your email address, and click the submit button to submit your question. Amazon.com: Restrictions apply, see amazon.com/gc-legal. Walgreens: Walgreens is not a sponsor of this program. The services, products or activities of UnitedHealthcare, are neither endorsed nor sponsored by Walgreens. See walgreens.com/topic/giftcards/all-giftcards.jsp for complete gift card terms and conditions. The Walgreens name and logo are registered trademarks of the Walgreen Company. Walmart: UnitedHealthcare is not affiliated with Walmart Stores, Inc., or any of its affiliates. The services, products or activities of UnitedHealthcare, are neither endorsed nor sponsored by Walmart Stores, Inc., or any of its affiliates. See walmart.com/help/article/gift-card-terms-and-conditions/90f9e217278146898946c1d786bedea3 for complete gift card terms and conditions.

Disclaimers

The Company does not discriminate on the basis of race, color, national origin, age, disability, or sex in its health programs or activities. To learn more, read the entire Non-Discrimination Notice .

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, and TN; Optimum Choice, Inc. in MD and VA; UnitedHealthcare Community Plan, Inc. in MI; UnitedHealthcare of Mississippi, Inc.; UnitedHealthcare of North Carolina, Inc.; UnitedHealthcare of Ohio, Inc.; UnitedHealthcare of Oklahoma, Inc.; UnitedHealthcare of Texas, Inc.; and UnitedHealthcare of Oregon, Inc. in WA. Administrative services provided by United HealthCare Services, Inc. or its affiliates.

Attention: This website is operated by United HealthCare Services, Inc. and is not the Health Insurance Marketplace website.