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, find member resources 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.
|Short term health insurance plans
|ACA Marketplace plans
|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:
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.
No plans are currently available in New York. Residents should call 1-800-980-5213 for more information.
Frequently asked questions about individual and family plans
At any stage in life, finding the right health insurance plan for you — and your family — is important. If you’re looking for individual and family plans and you’re under 65, there are many options to consider, depending on your situation.
For most health insurance plans, you can choose a plan or make changes to a plan you already have during open enrollment. That’s the most common time to get a health insurance plan. However, you can get certain plans like short term insurance or Medicaid at any time during the year.
When you’ve chosen the plan you want, you can enroll. The details of how to enroll will depend on the type of plan. You’ll usually give information about yourself, and other family members covered under your plan. You’ll also review the costs and benefits you’ve chosen.
When you can enroll in a plan depends on the kind of plan you choose.
For many plans, there’s an open enrollment period. That’s a period of time that happens once a year — typically in the fall — when you can sign up for health insurance, adjust your current plan or cancel your plan. It’s usually limited to a few weeks.
You can enroll in some plans anytime – like short term, dental or vision plans.
Here are open enrollment dates to know for some common individual and family plans.
- Individual & Family ACA Marketplace plans: November 1 through January 15, in most states
- Short term plans: Apply anytime
- Supplemental plans, like dental/vision: Apply anytime
- Health insurance through work: Enrollment periods are set by your employer (typically in fall)
There are many types of health insurance plans — and each is designed to fit different needs. Some types of health insurance include:
- Government plans
- Affordable Care Act (ACA) plans — which can also be called Marketplace, Exchange plans or Obamacare
- Medicare plans — for people over 65 or those under 65 who may qualify because of a disability or special condition
- Medicaid plans — Plans that are low cost or no-cost or Dual Special Needs plans (D-SNP)
- Short term plans
- Plans that provide limited coverage for a limited period of time
- Supplemental plans
- For example, dental or vision plans, which may cover expenses not covered by a medical plan.
Different factors can affect your health insurance costs. It’s important to understand what these costs are before choosing a plan. Here are some costs to keep in mind:
- Your health insurance plan will have a cost — for example, you may pay a monthly rate, or premium
- As a member with a health plan, you may also pay copayments — or other out-of-pocket fees
- As a member, you may also have to meet deductibles every year before insurance coverage starts
Knowing how your costs work may be a great way to help you choose which plan might work best for you. It can also help you know better how to use your benefits to your advantage once you enroll.
Every health plan is different. Be sure to check your coverage to understand what services are covered under your specific plan.
If you already have a plan, you can call the number on your member ID card or sign in to your health plan account and go to Benefits & Coverage to review what’s covered under your plan.
If you’re shopping for a plan, review the benefits before you decide to enroll. Keep in mind, many plans may focus on health and wellness. Some plans may cover:
- Preventive services (when delivered by a doctor or provider in network)
- Pre-existing conditions
- Mental and behavioral health services
- Prescription drugs
- Some medical devices (like breast pumps)
- Maternity care
- Some costs of cancer treatment
Your health plan documents are a good place to look to learn about your coverage details.
Learn more about health insurance
Browse the topics here to get familiar with health insurance and learn how it works.