What exactly are ACA Marketplace health insurance plans?

ACA Marketplace plans are health care plans that people can buy on their own, rather than through an employer or another government-run program, like Medicare or Medicaid. You might also hear these plans called Exchange plans or Individual & Family plans. The health care Marketplace (also called the Exchange) is where ACA health care plans are sold.

How can I save money on the health care Marketplace?

Under the American Rescue Plan Act of 2021 (ARPA) and Inflation Reduction Act of 2022 , you may qualify for financial subsidies that will lower your premiums when you enroll in ACA Marketplace coverage. These subsidies could be tax credits or cost-sharing reductions to help pay for your health care costs.

2025 Open Enrollment starts Nov. 1, 2024, and ends Jan. 15, 2025, in most states. Need to find health care coverage outside that enrollment window? You might qualify for a Special Enrollment Period (SEP). Learn about SEP .

UnitedHealthcare Individual & Family ACA Marketplace plans

Name: Luis D., UnitedHealthcare ACA plan member
Uploaded: 2024-09-12
Description: Luis D., UnitedHealthcare ACA plan member

Let's help you find your personalized Individual & Family ACA Marketplace plan. Enter your ZIP code to view and enroll in 2025 plans.

ZIP code

Questions? Talk with a licensed insurance agent at:
1-800-557-6718, TTY 711

ACA Marketplace plans with benefits that fit your needs

$0 medical deductible plans

Low to $0 premiums¹

Access to adult dental and vision²

$0 on-demand digital fitness classes³

Shop for an ACA plan

Learn about ACA plans

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Get help choosing an ACA plan

Watch these short videos to learn about each of our ACA Marketplace plans and how they may be a good fit.

More plan types

Simple, easy plan enrollment

Begin the enrollment process in 3 simple steps.

Tell us about you and your family.

See the best plan(s) recommended for you.

Choose a plan and we'll help you enroll.

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Learn more about Marketplace health insurance plans and how they work

Read about the health care Marketplace to get the most from your Individual & Family ACA Marketplace plan.

What are my plan options?

How does the Marketplace work?

How do I enroll?

Luis D., UnitedHealthcare ACA plan member

Video transcript

My name is Luis. And with UnitedHealthcare I survived cancer.

I can’t believe it actually happened to me.

I have gastric lymphoma.

My UnitedHealthcare agent did the extra mile to help me get through this.

By transitioning me from one plan to the next, I did save thousands of dollars.

If I didn’t have insurance, I would be in trouble.

With UnitedHealthcare, I have peace of mind.

Find Individual & Family ACA Marketplace plans in your state

If you buy your own health insurance for you or your family, the health care Marketplace is for you. The Marketplace (also called the Exchange) is where ACA health plans are sold. You might also hear these plans called Obamacare or Individual & Family plans. Don’t worry, they’re all the same thing — affordable health plan options for you and your family.

We offer Individual & Family plans in 27 states, including Texas, Florida and Georgia. Plan details vary by state, like premiums, network and certain benefits. The good news? We've got some great universal benefits that everyone can get — no matter where you live. See one member’s story of how their plan supports their health with the right care at the right time. It’s another way we’re there with coverage that matters in moments big and small.

Want to know more about ACA Marketplace plans?

Let's cover a few more basics about ACA Marketplace plans.

Looking for a plan?

Enter your ZIP code to see plans in your area.

ZIP code

Talk with a licensed insurance agent at:
1-800-557-6718, TTY 711

8 a.m. – 9 p.m. ET, Monday – Thursday
8 a.m. – 8 p.m. ET, Friday
9 a.m. – 5:30 p.m. ET, Saturday
Closed: Sunday

Already a member?

Call our Member Services team at:
1-877-265-9199, TTY 711

24/7 Member Services + Care Support or sign in to our member site.

Sign up for updates

Get helpful tips and information to help you better understand your options.⁴

Disclaimers

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, 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 North Carolina, Inc.; UnitedHealthcare of Ohio, Inc.; UnitedHealthcare of Oklahoma, Inc.; UnitedHealthcare of South Carolina, Inc.; UnitedHealthcare of Texas, Inc.; UnitedHealthcare of Oregon, Inc. in WA; UnitedHealthcare of Wisconsin, Inc., and UnitedHealthcare Plan of the River Valley in Iowa. Administrative services provided by United HealthCare Services, Inc. or their affiliates.

This 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, call or write your insurance agent or the company, whichever is applicable. By responding to this offer, you agree that a representative may contact you.

The benefits described may not be offered in all plans or in all states. Some plans may require copayments, deductibles and/or coinsurance for these benefits. This policy has exclusions, limitations, reductions of benefits, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, review your plan documents, call or write your insurance agent or the company, whichever is applicable. Plan specifics and benefits vary by coverage area and by plan category. Please review plan details to learn more.

Footnoted disclaimers

To qualify for a $0 monthly premium, you must meet household income requirements for Advanced Premium Tax Credits.
$0 cost-share for network periodic oral evaluation 2 times per consecutive 12 months. Adult dental benefit coverage is limited to a $1,000 benefit maximum per plan year. Coverage for routine vision exam and eyewear is limited to once every 12 months. If you opt to receive vision care services or vision care materials that are not covered benefits under this plan, a participating vision care provider may charge you their normal fee for such services or materials. Coverage may not be available on all plans or in all states. For costs and complete details of coverage, contact your insurance agent or the company, as applicable.
One Pass Select® is a voluntary program featuring a subscription based nationwide gym network, digital fitness and grocery delivery service. The information provided under this program is for general informational purposes only and is not intended to be nor should be construed as medical advice. Individuals should consult an appropriate health care professional before beginning any exercise program and/or to determine what may be right for them. Purchasing discounted gym and fitness studio memberships, digital fitness or grocery delivery services may have tax implications. Members should consult an appropriate tax professional to determine if they have any tax obligations with respect to the purchase of these discounted memberships or services under this program, as applicable. One Pass Select is a program offered by Optum. Subscription costs are payable to Optum.
By providing your email address, you have agreed to receive email messages from UnitedHealthcare containing advertisements of UnitedHealthcare products. You can stop receiving emails at any time by clicking “unsubscribe” in the footer of any UnitedHealthcare email. UnitedHealthcare recommends that you provide an email address that is personal and not tied to any account that is shared or could be monitored by someone besides you. Emails may be sent to you unsecure and could be read in transmission or by anyone who has access to your account. By providing your email address, you agree to our Privacy Policy.

UnitedHealthcare Individual & Family ACA Marketplace plans

UnitedHealthcare Individual & Family ACA Marketplace plans

Which county are you in? UnitedHealthcare Individual & Family ACA plans are not available in your area. But we can still help. No results found near you

ACA Marketplace plans with benefits that fit your needs

Get help choosing an ACA plan

Video transcript

More plan types

Simple, easy plan enrollment

Learn more about Marketplace health insurance plans and how they work

Luis D., UnitedHealthcare ACA plan member

Video transcript

Find Individual & Family ACA Marketplace plans in your state

Want to know more about ACA Marketplace plans?

Looking for a plan?

Which county are you in? UnitedHealthcare Individual & Family ACA plans are not available in your area. But we can still help. No results found near you

Already a member?

Sign up for updates

UnitedHealthcare Individual & Family ACA Marketplace plans

UnitedHealthcare Individual & Family ACA Marketplace plans

ACA Marketplace plans with benefits that fit your needs

Get help choosing an ACA plan

More plan types

Simple, easy plan enrollment

Learn more about Marketplace health insurance plans and how they work

Luis D., UnitedHealthcare ACA plan member

Find Individual & Family ACA Marketplace plans in your state

Want to know more about ACA Marketplace plans?

What exactly are ACA Marketplace health insurance plans?

How can I save money on the health care Marketplace?

When can I enroll?

Looking for a plan?

Already a member?

Sign up for updates