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 Exchange plans 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. 

ACA plan coverage options
Plan name
Monthly Premiums
Annual Deductible
Unique Plan Benefits
low cost
very-high cost
Basic coverage for serious illness or injury.
moderate cost
high cost
Unlimited 24/7 access to $0 virtual primary, urgent, and specialty care.1
high cost
moderate cost
HSA-eligible plans with low-cost primary care and $0 virtual urgent care.1
very-high cost
low cost
Extras like Adult dental and vision coverage2, and $0 in-person fitness membership.3
Copay Focus very-high cost $0 medical deductible Defined copays (typically $15-$30) for care.4

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:

Unlimited $0 primary care

Enjoy the convenience of unlimited visits and the value of a personal relationship with a single doctor. Choose a network doctor to be your go-to for things like annual checkups, shots and screenings, and help managing chronic conditions. When you see your matched provider for primary care, your visits are $01 with most plans. With our Essential plan, this benefit kicks in once you reach your deductible. For all other plans, you get this benefit right away.

Unlimited $0 virtual urgent care1

Get the peace of mind that comes with the care you need, when you need it. With most plans, you get unlimited $01 virtual urgent care visits with a doctor who’s available to provide online urgent, specialty and primary care. Connect with a doctor, get a diagnosis and even get a prescription if you need one — day or night. With our Essential plan, this benefit kicks in once you reach your deductible. For all other plans, you get this benefit right away.

Prescriptions for $5 or less5

Pay a $55 copay (or less) for Tier 2 generic prescriptions at over 40,000 network pharmacies. Plus, get member-exclusive discounts, like 20% off Walgreens brand health and wellness products.

Earn a $1006 reward

Taking care of yourself is its own reward, but it can earn you other rewards too. You can earn a $1006 reward on a prepaid Visa card by completing 5 steps: visit your primary care provider, register your online account at myuhc.com, sign up for paperless communications and text messages, and set up your Autopay.

Digital fitness classes at no additional cost7

Get access to a premium library with thousands of live and on-demand digital fitness classes included in your plan. There’s something for nearly every fitness interest, ability and schedule — from cardio to yoga, and strength training to meditation.

In addition to these benefits, ACA plans may also include:

  • Prescriptions delivered to your door
  • Adult routine vision coverage2
  • $02 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.

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,10 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.

Sign up for updates

Get helpful tips and information to help you better understand your options.11

See ACA Marketplace plans

See ACA Marketplace plans

Find your personalized ACA Marketplace plan

See ACA Marketplace plans

See ACA Marketplace plans