5 ACA health insurance assumptions challenged
The Affordable Care Act, or ACA, has transformed health insurance options for millions of Americans. But there are some common misconceptions about what the ACA offers. Let’s dig in and get the facts on ACA Marketplace plans. You may discover that an ACA Marketplace plan from UnitedHealthcare may be right for you.
Myth #1: ACA plans are expensive
Premiums can vary depending on your income and chosen plan, but subsidies (savings) are available through the Marketplace to help make coverage more affordable. In fact, more than 50% of UnitedHealthcare ACA Marketplace plan members paid $0 in monthly premiums for their plan in 2024 due to premium tax credits and cost-sharing reductions.1 During the easy enrollment process, we’ll let you know about financial help you may qualify for that can significantly lower your monthly premium and your out-of-pocket costs when you receive care, making your health insurance coverage more affordable.
Myth #2: Plan choices are limited
UnitedHealthcare offers 4 different plan types at different cost and coverage levels (called metal levels), meaning you can find a plan that best fits your specific needs and budget. When you shop for a plan, you can compare plans based on factors like network coverage, deductibles and out-of-pocket costs.
Myth #3: Young and healthy people don't need ACA health insurance
Even if you're healthy, accidents and illnesses can happen. Without insurance, the financial burden of a medical event can be overwhelming. Having a UnitedHealthcare ACA Marketplace plan protects you from unexpected medical bills. Plus, preventive care services can help you maintain good health to potentially avoid more costly issues down the road.
Myth #4: Enrollment is complicated
You can easily enroll in a UnitedHealthcare ACA Marketplace plan online or with 1-on-1 help from a licensed insurance agent at no cost. During your enrollment, you’ll answer a few simple questions about your household. You’ll also be able to view and compare your plan options, so you can choose the plan that fits your needs.
Myth #5: ACA plans only offer basic coverage
All ACA Marketplace plans are required to cover 10 essential health benefits designed to keep you healthy. UnitedHealthcare ACA Marketplace plans also include additional perks that can help support your well-being, including on-demand digital fitness classes,2 discounted Walgreens-brand health and wellness products,2 and adult dental and vision coverage on some plans.2 UnitedHealthcare ACA Marketplace plans even offer up to a $150 reward on a prepaid Visa® card for completing a few health and account-related activities.2
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