3 reasons an Individual and Family plan might be a good fit for your health care needs
If health care coverage felt out of reach in the past, or if changing circumstances caused you to lose a previous health plan, you might want to consider an Individual and Family ACA Marketplace Plan – also known as an exchange plan.
These plans are offered in the Health Insurance Marketplaces or Exchanges, which help individuals and families shop for and enroll in affordable health insurance. If you do not have health insurance through a job, Medicare, Medicaid, the Children's Health Insurance Program (CHIP) or another source, an Individual and Family ACA Marketplace Plan can help you get covered.
These plans aren’t just helpful when an unexpected health issue arises, but can help you access preventive care, such as annual wellness check-ups, vaccines or health screenings, to improve your overall well-being.
“Health coverage is critical to ensure individuals and families can visit their doctor, manage chronic conditions and identify issues at an early stage,” said Marcus Robinson, CEO, UnitedHealthcare Individual and Family Plans.
Open enrollment begins Nov. 1 and runs until Dec. 15, if you want coverage by Jan. 1. In most states, if you enroll after Dec. 15 through Jan. 15, you can ensure coverage by Feb. 1.
Here are three reasons why these types of plans may be a good fit:
1. You’re looking for a good value to get access to health care
A UnitedHealthcare Individual & Family ACA Marketplace plan may be more affordable than you think. There are many options available based on the level of premiums and deductibles. Value, of course, doesn’t just mean “inexpensive,” but also includes the quality of the plan. Here are a few things that a plan from UnitedHealthcare may cover:
- $0 unlimited primary care1
- $0 unlimited virtual urgent care1
- $5 or less prescription drugs1 at over 40,000 in-network pharmacies
- $0 digital fitness classes1 and access to a network of 17,000 gym locations
- Up to $100 in rewards1 benefits for completing health- and account-related tasks.
What’s more, 9-out-of-10 UnitedHealthcare Individual & Family ACA Marketplace plan members received a tax credit and/or subsidy in 2022 for their health insurance premium. And almost half of plan members paid $0 monthly premiums.2
2. You’re looking for a convenient plan with broad access to care
Access to care is important. UnitedHealthcare Individual & Family ACA Marketplace plans are available in more networks and have more providers in-network than ever before — now in over 1,000 counties across 26 states.3
3. You haven’t been able to enroll in your state’s Medicaid program
It can be a confusing process to get the right health care for you and your family. Through a process called redetermination, you may have lost coverage through a Medicaid plan. The good news is, Individual and Family ACA Marketplace plans can be a great option. What’s more, there is plenty of help available to ease the transition. For UnitedHealthcare plans, there is no cost, 1-on-1 help in finding a plan, with translation services available for multiple languages.
“At UnitedHealthcare we believe everyone should have access to high quality care and health coverage,” said Marcus Robinson, CEO, UnitedHealthcare Individual and Family Plans. “With over 24 million people uninsured in the United States, these plans play an important role in helping expand coverage by providing a wide range of affordable options.”
Health care is very personal. It can feel overwhelming to research and select the best plan for you and your family’s needs. With the variety of options available, UnitedHealthcare is here to help you find a plan that can help keep you and your family healthier for next year – and beyond.
Visit uhc.com/exchange or call 877-649-9797 for more information, to enroll or change coverage during the open enrollment period, which runs from Nov. 1, 2023 to Jan. 15, 2024, in most states.