Explore UnitedHealthcare Individual & Family ACA Marketplace plans
If you buy your own health insurance for you and your family, the health care Marketplace is for you. The Marketplace (also called the Exchange) is where Affordable Care Act (ACA) health plans are sold. You might hear these plans called ObamaCare or Individual & Family plans. While they may be called by different names, they’re all the same thing - affordable health plan options for you and your family.
People shop for and enroll in a plan they like best every year during Open Enrollment, which runs from Nov. 1 to Jan. 16 in most states. Let’s take a closer look at your UnitedHealthcare Individual and Family ACA Marketplace 2024 plan options — and learn how to pick the right plan for you.
Let’s take a closer look at your ACA plan options — and learn how to find a plan that’s right for you.
See your 2024 UnitedHealthcare ACA Marketplace plan coverage options
Everyone has different needs — our ACA Marketplace plans were created with that in mind. Compare coverage and find a plan that fits your lifestyle and budget.
Copay Focus | |||||
---|---|---|---|---|---|
Monthly premium | |||||
Annual deductible | No medical deductible | ||||
Eligible for Premium Tax Credits and/or Cost Share Reductions1 | |||||
HSA-eligible plan type | |||||
Pay copay for care (a set dollar amount) | |||||
$0 unlimited in-person primary care2 | |||||
$0 unlimited in-person primary care | |||||
$0 unlimited virtual primary care2 | |||||
$0 unlimited virtual urgent care2 | |||||
$5 or less tier 2 prescriptions3 | |||||
Prescription delivery for a 3-month supply at no additional cost4 | |||||
Adult dental and vision coverage5 | |||||
Pediatric dental and vision coverage6 | |||||
$20 or less office labs and screenings | |||||
Routine preventive care | |||||
$100 reward for completing 5 activities7 | |||||
20% off Walgreens brand health and wellness products8 | |||||
$0 digital fitness membership9 | |||||
$0 in-person fitness membership10 |
Get ACA plans with extra savings and benefits — at no additional cost
We know you expect a lot from your health plan. So, we’ve got plans that put you first. Here’s a look at some of the benefits you could get with one of our Individual & Family plans:
In addition to these benefits, ACA plans may also include:
- Prescriptions delivered to your door
- Adult routine vision coverage5
- $05 adult routine dental visits and care
- HSA-eligible plans let you contribute tax-free dollars for eligible health care costs
Picking the right ACA plan
Wondering which plan might be right for you? Take a look at these descriptions and decide what sounds most like you.
What to know
This is our lowest-cost plan. Your monthly premium could be as low as $0, but you'll pay more when you get care, compared to our other plans. Essential plans are available at the Bronze metal level only.
It's a good fit if
You rarely see your doctor. You want a low-cost way to protect yourself from worst-case medical scenarios, like serious illness or injury.
The UnitedHealthcare Essential Plan

What to know
Built with flexibility and convenience on the go, this plan offers unlimited 24/7 $0 virtual care through the Galileo mobile app. Your 24/7 access to virtual care lets you interact with your doctor on your own schedule, when it’s most convenient for you. The Galileo mobile app will be your first stop for all your care needs, from everyday to urgent - including virtual primary and virtual specialty care. Virtual First and Virtual Access plans are available at the Bronze, Silver and Gold metal levels.
It's a good fit if
You like the convenience to text or have a video visit with a doctor instead of heading to the clinic.
Looking for a Spanish-speaking option?
This may be the plan for you. It offers the option to get your Galileo communications in Spanish and connect with a Spanish-speaking Galileo doctor right away.
The UnitedHealthcare Virtual First plan

What to know
This plan isn’t as low-cost as Essential, but it’s close. It offers low-copay primary care visits with your doctor, and an HSA option. Like our other plans, this plan also has the option for virtual care. Value plans are available at the Bronze, Silver and Gold metal levels.
It's a good fit if
You regularly see your doctor and want something with a few more benefits than the basic Essential plan, without paying a lot for it.
The UnitedHealthcare Value Plan

What to know
This is our richest plan with the most coverage. It could be a good fit if you’re used to having lots of coverage and perks (like embedded adult vision and dental benefits). Advantage plans are available at the Silver and Gold metal levels.
It's a good fit if
You see your doctor often. You’re typically willing to pay a little more each month in order to pay less (usually copays) when you get care.
The UnitedHealthcare Advantage Plan

What to know
With a $0 deductible, you won't have to worry about paying out-of-pocket costs before your plan kicks in. You'll pay defined copays, like $15 or $30, for most services starting the first day of your plan. Copay Focus plans are available at the Bronze, Silver and Gold metal levels.
It's a good fit if
You like greater cost transparency. You’re typically willing to pay a little more each month in order to pay lower, defined copays when you get care.
The UnitedHealthcare Copay Focus Plan

You’ve got unique needs. Get an ACA plan designed to put you first.
After 30 years in the business, we believe there’s no limit to what care can do. We’re dedicated to connecting you to better health by offering (more) health benefits designed with affordability, simplicity and reliability in mind. After all, you need a plan that’s going to be there for you whenever and wherever, without the hassle.
As the nation’s No. 1 health insurance company,13 we continue to deliver on this promise through community-based health care programs, budget-friendly plan options, and support to guide you along your health care journey. No matter which type of UnitedHealthcare coverage you choose, we’re here to offer:
- Answers and advice from our trusted customer service team
- Easy ways to manage your plan, find network care and pay bills with an online member account
- Clear communication about important plan reminders (and money-saving tips)
- A simple enrollment process with personalized plan options
Learn more
How does the Marketplace work?
Read about the types of plans available on the Marketplace and ways you can save money and more.
How do I pick the right plan?
Want to be a savvy shopper? Get tips for comparing coverage and choosing the right plan.
How do I enroll?
We’ll walk you through 3 easy steps and get you enrolled in just minutes.

Looking for a plan?
Enter your ZIP code to see plans in your area.
Talk with a licensed insurance agent at:
1-800-557-6718, TTY 711
8 a.m. – 8 p.m. ET, Monday – Friday
9 a.m. – 5:30 p.m. ET, Saturday
Closed: Sunday
Already a member?
Call our Member Services team at:
1-877-265-9199, TTY 711
24/7 Member Services + Care Support or sign in to our member site.
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