ACA Marketplace plans with benefits that fit your needs
$0
Unlimited primary care1
$0
Unlimited virtual urgent care1
$3
Tier 1 prescriptions at Walgreens2
$100
Earn rewards for health for Walgreens, Walmart or Amazon3
The affordable Marketplace plan options you've been looking for
We offer a variety of Individual & Family ACA Marketplace plans that we classify into 4 categories. Within these categories, “metal” levels tell you how costs are divided between you and UnitedHealthcare. Learn about our plan options that fit your budget and your needs.
What to know
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 $0,4 but you’ll pay more when you get care, compared to our other plans.4 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.
Individual & Family ACA Marketplace: Essential plan overview
What to know
Built with flexibility and convenience on the go, this plan offers unlimited 24/7 $05 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 at the Bronze and Silver metal levels (Gold Virtual First available in Maryland only).
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.
Individual & Family ACA Marketplace: Virtual First plan overview
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. 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 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 bells and whistles than the basic plan, without paying a lot for it.
Individual & Family ACA Marketplace: Value plan overview
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). 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 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 (lower, defined copays) when you get care.
Individual & Family ACA Marketplace: Advantage plan overview
Simple, easy plan enrollment
Begin the enrollment process in 3 simple steps.
Tell us about you and your family.
See the best plan(s) recommended for you.
Choose a plan and we'll help you enroll.
Learn more about ACA plans and how they work
Read more about the health care Marketplace — and get the most out of your Individual & Family ACA Marketplace plan.
Find Individual & Family ACA Marketplace plans in your state
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. Don’t worry, they’re all the same thing — affordable health plan options for you and your family.
We offer Individual & Family plans in 22 states, including Texas, Florida and Georgia. Plan details vary by state, like premiums, network and certain benefits. The good news? We've got some great universal benefits that everyone can get — no matter where they live.
Want to know more about ACA Marketplace plans?
Let's cover a few more basics about ACA Marketplace plans.
ACA Marketplace plans are health care plans that people can buy on their own, rather than through an employer or another government-run program, like Medicare or Medicaid. You may also hear names like ObamaCare and Individual & Family Plans. The health care Marketplace (also called the Exchange) is where ACA health care plans are sold.
Under the American Rescue Plan Act of 2021 (ARPA) and Inflation Reduction Act of 2022, you may be able to enroll in ACA Marketplace coverage with lower premiums and see if you qualify for financial subsidies. These subsidies could be tax credits or cost-sharing reductions to help pay for your health care costs.
2023 Open Enrollment starts Nov. 1, 2023, and ends Jan. 15, 2024, in most states.
Need to find health care coverage outside that enrollment window? You might qualify for a Special Enrollment Period (SEP). Learn about SEP.
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.7