5 Affordable Care Act Marketplace plans from UnitedHealthcare

Everyone has different health care needs — that’s why UnitedHealthcare Individual & Family ACA Marketplace health care plans come in several different plan types to fit your lifestyle and your budget. Wondering which type of plan might be right for you? Here are the five types of UnitedHealthcare Individual & Family plans we offer.

Essential plan

Premium $, deductible $$$$

The Essential plan is a high-deductible plan with basic coverage for serious illness or injury. Your monthly premium could be as low as $0,1 but you’ll pay more when you get care, compared to our other plans. This plan is a good fit if you rarely see your provider, but you want a low-cost way to protect yourself from worst-case medical scenarios, like serious illness or injury.

Essential plans include some plan extras designed to help you save money, like:

  • $100 in member rewards2
  • 20% off Walgreens brand health and wellness products2
  • $0 digital fitness membership from OnePass™2

Value plan

Premium $$$, deductible $$

The Value plan has a higher premium than our Essential plan, but with a lower deductible before coinsurance starts. This plan offers low-copay primary care visits with your provider, and some plan types offer a Health Savings Account (HSA) option, a type of savings account that lets you set aside money pre-tax to pay for qualified medical expenses.

A Value plan might be a good fit if you see your provider regularly and want something with a few more benefits covered than an Essential plan, like:

  • $0 primary and virtual urgent care2
  • A 30-day supply of tier 2 prescription medications for $5 or less2
  • $20 or less in-office labs2

Advantage plan

Premium $$$$, deductible $

An Advantage Plan is a benefit-rich plan with a lot of coverage, including:

  • $0 primary and virtual urgent care2
  • A 30-day supply of tier 2 prescription medications for $5 or less2

Plus, many plan extras like:

  • Dental and vision coverage2
  • $0 digital fitness membership from OnePass2
  • $0 in-person gym membership at over 17,000 network gyms2

This plan is a good match if you see your provider often, and you’re willing to pay a little more each month in premiums in order to pay less when you get care. 

Virtual First plan3

Premium $$, deductible $$$

Virtual First3 plans are built with flexibility and convenience on the go. This plan is a good fit if you’d rather talk, text or have a video visit with a provider on your tablet or mobile phone instead of heading to the clinic. Your 24/7 access to virtual primary and urgent care lets you chat with your provider on your schedule, when it’s most convenient for you. With this plan the Galileo mobile app will be your first stop for all your care needs — plus, you have the option to connect with Spanish-speaking providers right through the app.

With a Virtual First3 plan, you’ll get benefits like:

  • $0 unlimited virtual primary, specialty and urgent care2
  • A 30-day supply of tier 2 prescription medications for $5 or less2
  • $100 in member rewards2

Copay Focus plan4

Premium $$$$, no deductible

Copay Focus plans are designed to help you know what your care costs may be before you head to the provider. With a $0 medical deductible, you won’t have to worry about paying out of pocket to reach a deductible before your plan kicks in. This plan comes with a higher monthly premium so that you can pay a low copay (usually $15-$30) when you get care.

A Copay Focus plan is a good fit for you if you prefer having predictable care costs, while still getting plan extras like:

  • $0 virtual urgent care2
  • A 30-day supply of tier 2 prescription medications for $5 or less2
  • $100 in member rewards2

More resources

Learn more and enroll in UnitedHealthcare Individual & Family plans.

  • Open enrollment for 2024 coverage has ended. If you are looking for coverage outside of the open enrollment period due to a qualifying life event, you may qualify for a Special Enrollment Period.
  • Open enrollment for 2025 coverage begins November 1, 2024. Sign up to get reminders and helpful tips to help you prepare for enrollment.

Explore Individual & Family ACA Marketplace plans

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