What 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 insurance Marketplace?

Under the American Rescue Plan Act of 2021 (ARPA) and Inflation Reduction Act of 2022 , you may qualify for financial subsidies (savings) 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.

What essential health benefits are included in ACA plans?

All plans sold on the health care Marketplace are required to cover 10 essential health benefits. Keep in mind, these are minimum requirements. That means most Affordable Care Act (ACA) plans (like UnitedHealthcare Individual & Family Marketplace plans) may offer these and many more benefits. No matter which Marketplace plan you choose, you’re guaranteed to have the following benefits: Ambulatory patient services Emergency services Hospitalization Pregnancy, maternity and newborn care (including contraceptives and breastfeeding coverage) Mental health and substance use disorder services (including behavioral health treatment) Prescription medicine Rehabilitative/habilitative services and devices Laboratory services Pediatric services (including oral and vision care) Preventive and wellness services, and chronic disease management

ACA Marketplace open enrollment is here

UnitedHealthcare Individual & Family ACA Marketplace plans offer a variety of options to fit your needs and budget. Enter your ZIP code to find and enroll in a plan for 2025 coverage.

ZIP code

Questions? Talk with a licensed insurance agent at: 1-800-806-0451, TTY 711

Discover our ACA marketplace plans

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

More plan types

ACA Marketplace plans with coverage options to help fit your budget needs

Option to add adult dental and vision coverage¹

One Pass Select® with thousands of digital fitness classes for $0²

Discounted in-person gym memberships and grocery delivery²

Up to $150 in rewards with our Health Perks™ program³

“With UnitedHealthcare, I survived cancer. I have gastric lymphoma. My UnitedHealthcare agent did [go] the extra mile to help me get through this.”⁴

— Luis D., ACA plan member

Learn more about ACA Marketplace plans

Let’s cover a few basics and get answers to common questions 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.⁵

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. By responding to this offer or communication, you agree that a representative may contact you.

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.

Footnotes

$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.
Members age 18 and over can earn up to a $150 reward on a prepaid Visa® card upon completion of eligible activities. To earn $50, they must complete the following activities: set up a UnitedHealthcare member account on myuhc.com/exchange, opt-in to all types of text messages, sign up for all paperless plan communications, and the subscriber of the plan signs up for Autopay of premiums on behalf of all members enrolled on the plan (not available in New Jersey and New Mexico). To earn $100, they must complete a primary care provider (PCP) visit. The PCP reward is earned after claim is processed and can take 6-8 weeks. Limit one reward per eligible member. Eligible members who are unable to participate in an available program may be permitted to earn the same reward by completing a reasonable alternative. Call the number on the back of your health plan ID card to learn more. If you receive access to certain reward funds with your Card, you agree to the terms and conditions available at HealthyBenefitsPlus.com/HealthPerks. Call 1-833-818-8692 for rewards balance. No Cash (except as required by law) or ATM Access. Fees and usage restrictions may apply. See cardholder terms for details. Issued by Citizens Alliance Bank, Member FDIC, pursuant to a license from Visa® U.S.A. Inc.
All plan members are not guaranteed the same results. Results may vary.
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.