UnitedHealthcare Individual and Family Marketplace (ACA) plans

Looking for health care plans on the Marketplace? UnitedHealthcare Individual and Family Marketplace plans offer affordable, reliable coverage options for you and your family. As part of the American Rescue Plan Act (2021), many individuals and families are now eligible for lower — or in some cases $0 — monthly premiums for Marketplace health coverage.

2022 open enrollment is now closed, but you may be eligible for a special enrollment period (SEP). Learn about special enrollment periods.

Shop UnitedHealthcare Individual and Family Marketplace plans

Plans on the health care 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 2022, UnitedHealthcare is offering plan options in the Bronze, Silver and Gold metal levels.

Find plans with $0 virtual care,1, 2 prescriptions as low as $3,1, 3 digital fitness classes at no additional cost,4 and more.

You can also call 1-844-joinUHC to learn more about your options. 

Health care Marketplace (ACA) 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 Marketplace (ACA) health insurance plans?

The health care Marketplace (also called the Exchange), is where Affordable Care Act (ACA) health care plans are sold. You may also hear names like ObamaCare, BidenCare and Individual and 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), you may be able to enroll in Marketplace coverage with lower premiums and see if you qualify for financial help. This financial help, or subsidies, could be tax credits or cost-sharing reductions to help pay for your health care costs.

See if you qualify for financial help at UHCExchange.com or by calling 1-844-joinUHC.

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 who offer 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, such as 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 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 a 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 a form you may receive from your employer if get your health plan through work. 

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