Explore your ACA Marketplace plan options
UnitedHealthcare Individual & Family ACA Marketplace plans include 5 plan types — Essential, Virtual, Value, Advantage and Copay Focus. Each plan type offers varying coverage levels to meet your needs and budget. Let’s take a closer look at your 2024 ACA Marketplace plan options and find a plan that’s right for you.
Choosing an ACA plan
Learn about each of our ACA Marketplace plans and how they may be a good fit.
What to know
This is our lowest-cost plan. Your monthly premium could be as low as $0, but you'll pay more when you get care, compared to our other plans. Essential plans are available at the Bronze metal level only.
It's a good fit if
You rarely see your doctor. You want a low-cost way to protect yourself from worst-case medical scenarios, like serious illness or injury.
The UnitedHealthcare Essential Plan
What to know
Built with flexibility and convenience on the go, this plan offers unlimited 24/7 $0 virtual care through the Galileo mobile app. Your 24/7 access to virtual care lets you interact with your doctor on your own schedule, when it’s most convenient for you. The Galileo mobile app will be your first stop for all your care needs, from everyday to urgent — including virtual primary and virtual specialty care. Virtual First and Virtual Access plans are available at the Bronze, Silver and Gold metal levels.
It's a good fit if
You like the convenience to text or have a video visit with a doctor instead of heading to the clinic.
Looking for a Spanish-speaking option?
This may be the plan for you. It offers the option to get your Galileo communications in Spanish and connect with a Spanish-speaking Galileo doctor right away.
The UnitedHealthcare Virtual First plan
What to know
This plan isn’t as low-cost as Essential, but it’s close. It offers low-copay primary care visits with your doctor, and an HSA option. Like our other plans, this plan also has the option for virtual care. Value plans are available at the Bronze, Silver and Gold metal levels.
It's a good fit if
You regularly see your doctor and want something with a few more benefits than the basic Essential plan, without paying a lot for it.
The UnitedHealthcare Value Plan
What to know
This is our richest plan with the most coverage. It could be a good fit if you’re used to having lots of coverage and perks (like embedded adult vision and dental benefits). Advantage plans are available at the Silver and Gold metal levels.
It's a good fit if
You see your doctor often. You’re typically willing to pay a little more each month in order to pay less (usually copays) when you get care.
The UnitedHealthcare Advantage Plan
What to know
With a $0 deductible, you won't have to worry about paying out-of-pocket costs before your plan kicks in. You'll pay defined copays, like $15 or $30, for most services starting the first day of your plan. Copay Focus plans are available at the Bronze, Silver and Gold metal levels.
It's a good fit if
You like greater cost transparency. You’re typically willing to pay a little more each month in order to pay lower, defined copays when you get care.
The UnitedHealthcare Copay Focus Plan
Ready to find the right ACA plan for you?
ACA plan benefits included with most plans
Our ACA plans come with extra savings and benefits at no additional cost. Some of the benefits you could get with one of our Individual & Family plans include:
Compare ACA plan costs and coverage
| Plan name | |||
|---|---|---|---|
| Essential |  |
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| Virtual |  |
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| Value | |
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| Advantage | |
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| Copay Focus | |
$0 medical deductible | Defined copays (typically $15 to $30) for care.4 |
Why choose UnitedHealthcare ACA Marketplace plans?
With 30 years in the business, we’ve got the experience to deliver plans designed for your unique needs.
Frequently asked questions
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
All plans include a yearly wellness exam (physical) with your primary care provider. Your yearly exam is a good opportunity to check in with your doctor on how you’re feeling. It’s your chance to bring up any health concerns or questions — and get answers from your doctor.
Here are common things that may happen during your yearly exam:
- Annual flu vaccine (and checking up to make sure you’re up to date on all your vaccines)
- Cholesterol screening
- Blood pressure screening
- Cancer screenings for adults (like breast, colorectal, cervical and lung)
- Standard lab work (you may have to pay for lab work)
- Access to $012 contraceptives, if you need them
A plan’s network is a group of facilities, providers and suppliers your health insurer or plan has contracted with to provide health care services. It’s important to see doctors within your plan’s network to make sure your visit is covered by your plan. (So you don’t have to pay more out-of-pocket.) To check your UnitedHealthcare provider directory online, sign in to your member account.
Your primary care provider (PCP) is the doctor, nurse practitioner or physician's assistant you'll see for most of your care. You can see them for things like yearly checkups, screenings, chronic conditions and everyday concerns. Plus, they can refer you to a network specialist if you need one.
Your welcome kit will let you know if your plan requires a referral before you can see a network specialist. If that’s the case, your doctor will send us a referral for the specialist you want to see before you make your appointment. This extra step helps us make sure that specialist is in our network, and that your plan will help cover the cost.
