Why a UnitedHealthcare Copay Focus plan might be right for you

UnitedHealthcare Individual & Family ACA Marketplace plans is offering a new Copay Focus plan coverage option in 2024 with a $0 medical deductible.¹ Get the details on what the Copay Focus plan is and how it works.

A Copay Focus plan is designed to help you know exactly what your eligible care costs before you get care. You’ll have flat-rate copays, usually around $15 or $30 depending on the health care service. Let’s learn more about how Copay Focus plans work.

• Premium: The amount you pay for your ACA health insurance coverage every month.
• Deductible: The amount you must spend on care covered by your plan before your health plan begins to pay.
• Copay: A set dollar amount you pay when you get care covered by your plan. ​
• Network: The providers and facilities that are contracted to provide care for people with your health plan. Your plan may only pay for care in your plan's network.

A Copay Focus plan may be a great choice for those who like to know their eligible care costs up front. Here are important details of the Copay Focus plan:

This plan has a higher monthly premium than some plans. It’s designed that way so you can pay a low flat-rate copay when you need eligible care. You may also qualify for subsidies that can help lower the cost of your monthly premium. We can help estimate your costs and savings during the enrollment process.

With a $0 deductible, you won’t have to worry about paying large out-of-pocket costs to reach a deductible before your plan starts paying – you’ll have predictable costs right from the start for eligible services.

You’ll pay a predetermined copay (usually $15 or $30). This will help you know what your eligible care costs are before you get care. Knowing your estimated cost makes it easier to budget for you and your family’s health care.

By choosing a network provider, hospital, clinic or pharmacy, you’ll be paying UnitedHealthcare’s negotiated rates for eligible care. You’ll only be responsible for your pre-determined copay. If you choose care that is not in the network, you may be responsible for paying out-of-pocket for your care. To help you find network providers who meet your needs, UnitedHealthcare has digital tools to estimate costs and find nearby network providers, so you’ll have a better sense of your costs before you get care.

A Copay Focus plan from UnitedHealthcare has benefits that are designed to keep you healthier, like:

• $0 preventive care³
• $0 virtual urgent care²
• $5 or less tier 2 prescription medications²
• $100 in rewards²

• $0 delivery fee for a 90-day supply of most maintenance prescriptions²
• 20% off Walgreens brand health and wellness products²
• $0 digital fitness membership from OnePass™²