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 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, 2023 to Jan. 15, 2024 in most states. Let’s take a closer look at your UnitedHealthcare Individual & Family ACA Marketplace 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 2023 ACA plan coverage options
Everyone has different needs — our ACA plans were created with that in mind. Compare coverage and find an ACA plan that fits your lifestyle and budget.
|Unlimited $01 primary care|
|24/7 virtual visits|
|Unlimited $01 virtual urgent care|
($32 or less at Walgreens)
|Rewards for health3|
|Digital fitness subscription4|
|Adult vision and dental5|
|Works with HSA|
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
- One-year AARP membership with access to hundreds of programs, services and discounts6
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.
This is our lowest-cost plan. It’s a good fit if you want a low-cost plan with benefits for worst-case medical scenarios, like serious illness or injury. Your monthly premium could be as low as $0,7 but you’ll pay more when you get care, compared to our other plans. Essential plans are available in the Bronze metal level.
Individual & Family ACA Marketplace: Essential plan overview
Built with flexibility and convenience on the go, this plan offers unlimited 24/7 $08 virtual care through the Galileo mobile app. This plan is a good fit if you’d rather talk, text or have a video visit with a doctor instead of heading to the clinic. Your 24/7 access to virtual care lets you interact with your doctor on your 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 primary and specialty care. Virtual First plans are available in Bronze and Silver metal levels.
This plan also offers the option to get your Galileo communications in Spanish and connect with a Spanish-speaking Galileo doctor right away.
Individual & Family ACA Marketplace: Virtual First plan overview
This plan isn’t as low-cost as Essential, but pretty darn close. It offers low-copay primary care visits with your doctor, and a Health Savings Account (HSA) option. Like our other plans, this plan also has the option for virtual care. It’s a good fit if you see your doctor regularly and want something with a few more bells and whistles than the basic plan. Value plans are available in Bronze, Silver, and Gold metal levels.
Individual & Family ACA Marketplace: Value plan overview
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). It’s a good match if you see your doctor often, and you’re willing to pay a little more each month in order to pay less when you get care. Advantage plans are available in Silver and Gold metal levels.
Individual & Family ACA Marketplace: Advantage plan overview
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,9 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:
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
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Get helpful tips and information to help you better understand your options.10