With UnitedHealthcare, you’ll find ACA plans that put you first — with benefits that fit your needs, like primary care, virtual care and more.

Short term plans may help you get benefits in times where you may have a gap in coverage.

Find coverage options if you're self-employed and have no employees.

Get coverage that's designed for students while they're in school.

Learn the benefits of UnitedHealthcare plans offered by employers.

Sign in, see your health plan details and more.

Complete your coverage with supplemental plans

Supplemental plans can help you get coverage for care and services not covered by your medical plan.

Coverage for dental screenings, preventive care and more.

Coverage for vision care, including routine eye exams, vision screenings, prescription glasses and contact lenses.

Coverage to add on to health insurance plans, including cash-benefit plans, like Accident or Critical illness coverage.

Get help to find a plan

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

What's the difference between short term plans and ACA plans?

If you're considering a short term plan or an ACA plan, here's a quick overview of how these two types of plans work.

Difference between short term plans and ACA plans
Short term health insurance plans ACA Marketplace plans
Plan basics
Short term plans can help you get the benefits you need in times where you may have a gap in coverage — like when you're in between jobs or waiting for other coverage to start. ACA plans are sold on the health care Marketplace (also called the Exchange). Depending on your income, you may be eligible for government subsidies to help lower the cost of an ACA plan.
Type and length of coverage
Short term plans offer limited coverage for a limited time. ACA plans offer comprehensive coverage for a full calendar year as long as you pay your premium.
Consider a short-term plan if you: Consider an ACA plan if you:
  • Missed open enrollment and don't qualify for a Special Enrollment Period (SEP)
  • Have a gap until your ACA plan starts
  • Want coverage until you join Medicare
  • Turned 26 and are coming off a parent's plan
  • Are in between jobs or waiting for benefits to start
  • Are healthy and under 65
  • Can't get health insurance through work
  • Need long-term coverage for you and your family
  • Want comprehensive benefits
  • Qualify for a premium tax credit

Find individual and 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.

For New York residents: No plans are currently available. Call 1-800-980-5213 for more information.

Frequently asked questions about individual and family plans

Explore more health insurance options

Plans for people 65 or older or those under 65 who may qualify because of a disability or special condition.

Plans that are low cost or no-cost or Dual Special Needs plans (D-SNP).

Group health insurance options for employers to offer employees.

Learn more about health insurance

Browse the topics here to get familiar with health insurance and learn how it works.

Get answers about health insurance

Let's go over the basics about health insurance and the reasons to have it.

Understand common terms

Premium? Deductible? Learn what these insurance terms may mean for you.

Get tips for managing costs

See how to save on health care costs by taking a few simple steps.