ACA Marketplace plans with benefits that fit your needs
$0
unlimited primary care
$0
Virtual urgent care1
$5
or less prescription drugs2
$100
in rewards for health3
The affordable Marketplace plan options you've been looking for
We offer a variety of Individual & Family ACA Marketplace plans that are classified into 5 plan categories. Within these categories, “metal” levels tell you how costs are divided between you and UnitedHealthcare.
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
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 Marketplace health insurance plans and how they work
Read about the healthcare Marketplace to get the most from your Individual & Family ACA Marketplace plan.
Find Individual & Family ACA Marketplace plans in your state
If you buy your own health insurance for you or your family, the health care Marketplace is for you. The Marketplace (also called the Exchange) is where ACA health plans are sold. You might also 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 26 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 you 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 might also hear these plans called ObamaCare or 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 qualify for financial subsidies that will lower your premiums when you enroll in ACA Marketplace coverage. These subsidies could be tax credits or cost-sharing reductions to help pay for your health care costs.
2024 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.
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