Enrolling in an ACA Marketplace plan

If plans are available in your area, you can enroll in a UnitedHealthcare Individual & Family ACA Marketplace plan directly through UnitedHealthcare. Let’s walk through what you need to know as you get ready to shop for and enroll in an ACA plan.

Know the Marketplace open enrollment dates

You’ll need to enroll in an ACA plan during the open enrollment window. This typically runs November 1 to January 15 in most states. Make sure to add these dates to your calendar:

November 1

Open enrollment begins, and you can shop for and enroll in a plan.

December 15

To start coverage on January 1, 2025, enroll by December 15, 2024, in most states.

January 15

To start coverage on February 1, 2025, enroll by January 15, 2025, in most states.

Do you qualify for a Special Enrollment Period?

If you experience a qualifying life event (like turning 26 or having a baby) at any time during the year, you may be eligible to enroll outside of the open enrollment window. Your coverage start date will depend on your qualifying life event.

Think about your needs

Consider what matters most to you when choosing a health plan. Do you need budget-friendly coverage? Or do you want a plan with lots of coverage and perks? This can help you narrow your options. You’ll also want to think about these questions:

Do you have a preferred provider?

If so, you’ll want to find a plan where they’re in network. You will be able to search for your provider during enrollment.

Do you take regular prescription medications?

Check the plan’s formulary (drug list) to see what medications are covered to avoid surprise costs. Medications not listed on the formulary will likely be an out-of-pocket cost to you. 

Do you want to renew your current plan for next year?

If you’re a UnitedHealthcare ACA plan member, you may be able to continue paying your premium to stay enrolled in your plan for 2025. We’ll reach out to let you know your 2025 plan options.


Prepare for the ACA enrollment process

When you enroll in an ACA Marketplace plan, you’ll be asked some questions about your household and income. This helps determine your ACA plan eligibility and subsidies (savings). Gathering this info ahead of time can help you prepare. Here’s what you may need to provide:

  • Mailing address 
  • Members of your household 
  • Estimated household income that includes details on wages, government assistance, pension, retirement accounts and other earnings

Explore your plan options and enroll

UnitedHealthcare Individual & Family ACA Marketplace plans offer a range of plan types designed to meet your coverage needs and budget. Learn about our plan types and compare costs and coverage to help you choose the right plan for you.

You can also explore plan options, get estimates and enroll by calling one of our licensed insurance agents at 1-800-557-6718, TTY 711.

Activate your coverage

After you enroll in a plan, you’ll need to complete a few simple tasks before your coverage can start. You’ll be able to do this from your UnitedHealthcare ACA plan’s post-enrollment dashboard. You’ll be asked to:

  • Confirm your eligibility status and plan choice
  • Send verification documents to the health care Marketplace using your post-enrollment dashboard
  • Make your first premium payment

It’s important to make your first premium payment on time so your coverage can officially start. You’ll typically receive your welcome kit and health plan ID card within 10 days of making your payment.

Frequently asked questions