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

Over half of UHC members paid $0 premiums in 2024²

Some plans offer $0 medical deductible

Low-cost primary and virtual urgent care

Prescriptions for $8 or less at network pharmacies³

“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.
UnitedHealthcare Internal Analysis, April 2024.
Pay $8 or less for a 1-month supply of preferred 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.
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.