Health insurance for individuals & families

Find insurance coverage that’s right for you and your family

If you're looking for individual or family health insurance prior to age 65, you'll find UnitedHealthcare offers many choices to fit your needs. You can also find additional insurance products to round out your coverage. 

View plans by state

Enter your ZIP code to see available plans in your area.

If you're under the age of 65 and need health coverage for you or your family, you can choose health plans like TriTerm Medical — short term health insurance1 lasting nearly 3 years.2 Need coverage for a brief time? Standard short term health insurance planscan help you fill a gap in coverage from 1 month to just under a year.3

You'll also find a wide range of supplemental plans like dental insurance, vision insurance, accident insurance, student insurance, international travel insurance and more.

You can explore Affordable Care Act (ACA) options from multiple carriers in your area through our affiliated agency HealthMarkets. Or you can call 1-800-980-5213 or look for ACA plans on the Health Insurance Marketplace at Healthcare.gov.

UnitedHealthcare health insurance plans for individuals and families

Plan type What it covers
TriTerm Medical insurance Health insurance plans that last nearly 3 years. Coverage for preventive care, doctor visits, pharmacy and more.
Short term health insurance Health insurance coverage to bridge the gap if you’re between jobs or need a short-term solution.
Dental insurance Dental plan options that include coverage for preventive care, oral health screenings, orthodontic care and more.
Vision insurance Coverage for vision care, including routine eye exams, vision screenings, prescription glasses and contact lenses.
Hospital and doctor fixed indemnity insurance Insurance that pays a set (fixed) amount of money for specific medical services, often to help offset the costs not covered by a traditional health insurance plan.
Critical illness insurance Insurance that offers benefits to help cover expenses related to qualifying serious illnesses.
Hospitalization insurance Plans that help with the costs of hospitalization by paying a fixed amount per day for hospital stays.
Accident insurance Insurance coverage and benefits that help with expenses in the case of an accidental injury.
Term life insurance Insurance that helps prepare your family financially by paying a cash benefit in the event of your death.
Student health insurance Coverage for students while they’re in school, including plans with lower deductibles, comprehensive benefits and access to a wide provider network.
International travel insurance Coverage that offers protection if unexpected events happen while traveling, including medical emergencies or illnesses, lost passports, lost baggage, travel assistance and more. 
Insurance bundles Insurance bundles that let you personalize your coverage by purchasing two or more plans together, such as vision and dental insurance, short term coverage and dental insurance and more. 

Find individual & family insurance plans in your state

You have insurance options with UnitedHealthcare. Explore the insurance plans available in your state and get fast, free quotes on coverage now.

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No plans are currently available in New York. Residents should call 1-800-980-5213 for more information.

Have questions about health insurance? We’re here to help.

One thing is sure – health insurance isn’t an easy topic. How does it actually work? What’s usually covered? What do all the terms mean? Look to UnitedHealthcare to help you get clear answers about plans, premiums, benefits and more. 

Already a member?

Sign in to myuhc.com, your member website, if you get your insurance through your employer. It's an easier way to view and manage your health plan details. 

  • Find a doctor 
  • See what’s covered and estimate costs
  • View and pay claims
  • View and print health plan ID cards

How to use your benefits

Whether you’re just getting started or want a refresher on what’s included with your UnitedHealthcare plan, member resources is a good place to start. Learn how to get the most out of your benefits and discover the many easy-to-use tools and programs that are available with your plan.

Medicare

A federal health insurance program for people who are 65 and older and/or disabled. Call 1-855-223-3100 to learn more or enter your ZIP code to see Medicare plans in your area.

Medicaid

Health care coverage for those with lower incomes. Enter your ZIP code to see Medicaid plans available in your area.

Footnotes

  1. Short term health insurance plans are medically underwritten and do not provide coverage for preexisting conditions.
  2. The coverage term is one day less than 3 years. In SC, plans are three 11-month terms. In IN and OK, plans are three 364-day terms. This coverage does not qualify as "Minimum Essential Coverage" as defined in the Affordable Care Act and may not cover all Essential Health Benefits in your state. And, while enforcement of the federal tax penalty is not occurring in 2019, some states may impose a tax penalty if you do not have MEC coverage.
  3. Product design and availability vary by state. Term lengths available vary by state.

Disclaimers

Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates. Administrative services provided by United HealthCare Services, Inc. or their affiliates.

No individual applying for health coverage through the individual marketplace will be discouraged from applying for benefits, turned down for coverage or charged more premium because of health status, medical condition, mental illness claims experience, medical history, genetic information or health disability. In addition, no individual will be denied coverage based on race, color, religion, national origin, sex, sexual orientation, marital status, personal appearance, political affiliation or source of income.

Dental and Vision products are administrated by related companies. Each company is a separate entity and is not responsible for another's financial or contractual obligations.

References to UnitedHealthcare pertain to each individual company or other UnitedHealthcare affiliated companies.

Each company is a separate entity and is not responsible for another's financial or contractual obligations.

Administrative services provided by United HealthCare Services, Inc. or their affiliates.

Products and services offered are underwritten by Golden Rule Insurance Company, Health Plan of Nevada, Inc., Oxford Health Insurance, Inc., UnitedHealthcare Life Insurance Company, UnitedHealthcare of the Mid-Atlantic, Inc., UnitedHealthcare of New York, Inc.