Find ways to save money with an Affordable Care Act Marketplace plan

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We all like to save money, but when it comes to our health, it’s important to make sure we’re also getting coverage that fits our needs. That’s why UnitedHealthcare Individual & Family Affordable Care Act (ACA) Marketplace plans are designed to fit your health care coverage needs — and your budget.

Plans with benefits designed to help you save

UnitedHealthcare Individual & Family plans offer quality coverage on a budget. In fact, nearly half (47%) of UnitedHealthcare Individual & Family plan members paid a $0 monthly premium for their plan in 2026.¹ Most plans include these benefits to help keep you healthy while helping you save money.

$0 preventive care

Getting preventive care helps reduce the risk for diseases, disabilities, and death — yet millions of people in the United States don’t get recommended preventive health care services.² Preventive care includes things like your annual checkup and preventive screenings. These services are covered for $0 with a UnitedHealthcare Individual & Family plan.³

Low-cost virtual care

Virtual care is a quick and easy way to get help with simple health concerns. During a virtual visit, you use your smartphone, tablet or computer, to meet with a provider. You may get treatment options and even prescriptions for medications, if needed. Virtual urgent care visits are $0 on many UnitedHealthcare Individual & Family plans.⁴

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Low-cost prescription medications

Getting your prescription medications at a low price means you can take care of your health and stay on budget. UnitedHealthcare Individual & Family plans offer a 1-month supply of generic prescription medications starting at $10 at over 55,000 network pharmacies.⁵

20% off Walgreens products

With your UnitedHealthcare Individual & Family plan, you get 20% off Walgreens brand health and wellness products at any Walgreens location.⁶ That means you can get lower prices on over-the-counter medicines for cough, cold, and allergies, first aid products and more.

More resources

Open enrollment for 2027 Individual & Family ACA Marketplace plans starts November 1, 2026. Learn more

Looking for a 2026 plan? Get started

Footnotes

UnitedHealthcare Internal Analysis, May 2026
https://odphp.health.gov/healthypeople/objectives-and-data/browse-objectives/preventive-care
Preventive care services are covered as recommended by the Affordable Care Act (ACA) of 2010.
Unless otherwise required, virtual care benefits are available only when services are delivered through a designated virtual network provider. Virtual visits are not intended to address emergency or life-threatening medical conditions and should not be used in those circumstances. Services may not be always available, or in all locations, or for all members. Check your benefit plan to determine if these services are available. Data rates may apply. Certain prescriptions may not be available and other restrictions may apply.
Pay $10 or more for a 1-month supply of generic medications listed on the Prescription Drug List (formulary). Refer to your plan documents to determine the formulary medication tiers for your state, the tier cost shares and any deductible or out-of-pocket amounts that may be required. Only applies to in-network pharmacies. See plan documents for more information. Not available on all plans or in all states.
Discount valid until 12/31/27. Some restrictions apply. Discount valid only for in-store purchases of eligible Walgreens brand products by current members eligible for the Smart savings discount program. Discount cannot be used online. Walgreens can discontinue program at its discretion. Excludes alcohol, charitable donations, dairy, prescription medication, durable medical equipment or supplies, or services submitted by the pharmacy to insurance for reimbursement or where otherwise limited by law, liquor department items, lottery tickets, magazines, money orders/transfers, newspapers, phone/prepaid/gift cards, photo orders, prescriptions, pseudoephedrine or ephedrine products, stamps, tobacco and transportation passes. Not available in Washington, New York, or Kelsey-Seybold plans in Texas.

Disclaimers

The benefits described may not be offered on all plans or in all states. Some plans may require copayments, deductibles and/or coinsurance for these benefits. The policy has exclusions, limitations, reduction of benefits, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, review the plan coverage documents, or call or write your insurance agent/broker or the company, whichever is applicable.

UnitedHealthcare Individual & Family plans medical plan coverage offered by: UnitedHealthcare of Arizona, Inc.; Rocky Mountain Health Maintenance Organization Incorporated in CO; UnitedHealthcare of Florida, Inc.; UnitedHealthcare of Georgia, Inc; UnitedHealthcare of Illinois, Inc.; UnitedHealthcare Insurance Company in AL, IN, KS, LA, MA, MO, NE, NJ, TN, and WY; Optimum Choice, Inc. in MD and VA; UnitedHealthcare Community Plan, Inc. in MI; UnitedHealthcare of Mississippi, Inc.; UnitedHealthcare of New Mexico, Inc.; UnitedHealthcare of New York, Inc.; UnitedHealthcare of North Carolina, Inc.; UnitedHealthcare of Ohio, Inc.; UnitedHealthcare of Oklahoma, Inc.; UnitedHealthcare of South Carolina, Inc.; UnitedHealthcare Benefits of Texas, Inc; UnitedHealthcare of Texas, Inc.; UnitedHealthcare of Oregon, Inc. in WA; UnitedHealthcare of Wisconsin, Inc., and UnitedHealthcare Plan of the River Valley, Inc. in Iowa. Administrative services provided by United HealthCare Services, Inc. or their affiliates.