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[H1] Health insurance plans

[H2] Health plans for life's moments
Our plans are made to deliver what matters, from quality coverage to caring support. Find a plan or sign in to view your benefits.

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[H2] Shop plans for every stage of life

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[H3] Try the UnitedHealthcare app
Members can get instant access to manage health plan details, request member ID cards, find care and more.

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[H3] Discover wellness and rewards programs
Invest in your health and find motivation and support. Plus, you may earn rewards for meeting health goals.

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[H2] All types of plans for all types of people

[H3]
Health insurance plans

Explore a range of individual and family plan options, including ACA Marketplace plans.

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Medicare plans

Find coverage that goes beyond Original Medicare, including Medicare Advantage plans.

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Medicaid plans

See Medicaid plan options if you have low income or qualify due to a special circumstance.

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Dental, vision and supplemental plans

Browse plans that can help you get coverage for medical costs not covered by your medical plan.

[H2] Frequently asked questions about health insurance

[H3]

What is health insurance?

Health insurance is a plan, or policy, that covers a percentage of doctors’ visits and hospital bills. It helps offset the costs of both planned and unplanned medical needs. Medical care can be expensive, but health insurance may help lessen the financial burden.
And health insurance isn’t just for when you’re sick or injured. It can also help you stay healthy through preventive care and wellness programs. This may help you save money, too, by catching potential health concerns before they become larger issues.

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How does health insurance work?

Health insurance is a contract between you and an insurance company (the insurer). When you purchase a plan, you become a member of that plan. Each month, you’ll likely pay a fee, called a premium, to use the plan.
There are many different types of health plans, but they generally work the same way. You pay for some medical costs and your insurer pays for some costs. How those costs break out depend on your specific plan benefits and coverage.

Learn more about how health insurance works

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How do I get health insurance?

Finding the right health insurance plan depends on a variety of factors. These include things like your age, health and financial situation. For example, if you’re over 65 or have a qualifying disability or special situation, you may be eligible for Medicare. If you have a lower income, you may qualify for Medicaid. If you want to purchase an individual plan, an Affordable Care Act (ACA) plan could be an option. Or, you may have the option to get health insurance through your employer.
Most health insurance plans have a special period of time, usually once a year, when you can enroll. This is called open enrollment. It’s when you can start, stop or change your health plan. Timing of open enrollment varies based on the plan.
Learn more about open enrollment

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What are the different types of health insurance?

There are a variety of health insurance plans that fit different needs. Some plans are offered through the government, like Affordable Care Act (ACA) plans, Medicare plans and Medicaid plans. There are also health plans you can get through your employer. Or, you can purchase a plan on your own, like short term health insurance that offers coverage for a limited amount of time. Understanding the different health insurance options can help you find the plan that may work best for you.
You may also see terms like HMO, PPO, EPO and POS ­— these refer to the four basic kinds of provider networks that certain health plans may offer. A network may include doctors, hospitals and other providers that agree to provide services to plan members at a negotiated rate. This may help lower your out-of-pocket costs.

Learn more about the different types of health insurance

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How much does health insurance cost?

It depends. A variety of factors impact how much you pay. These can include your age, your location and lifestyle habits. It also depends on the type of plan you choose. With some plans, you may pay less up front, but more when you receive care. For other plans, the opposite can be true.

Learn more about health insurance costs

[H3]

What does health insurance cover?

Coverage is unique to each health plan. Many plans may cover things like preventive care, prescription drugs, hospital stays, mental health services and more. A plan may cover the full cost of certain services, or you may have to share costs (by paying a copay or coinsurance, for example) until you meet a deductible or out-of-pocket limit.
Make sure to review benefits and coverage before choosing a plan. You can find this information in the plan’s Summary of Benefits and Coverage. This is a document that all health plan companies are required to provide. It outlines what’s covered, partially covered or not covered under a health plan.

Learn how to review a Summary of Benefits and Coverage

Learn more about health insurance

Get the facts about how the health system works

[H2] Working to make the health care experience better
UnitedHealthcare puts care at the heart of health insurance. Empathy, transparency and human connection guide us. Because better care comes from understanding what people need — and making quality care more personal.

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[H1] Find the right UnitedHealthcare Medicare plan for you

Enroll online — it's convenient, private and secure

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[H3] Update your ZIP code
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[H1] UnitedHealthcare Medicare coverage for whatever's next

Medicare Advantage plans

Medicare Advantage (Part C) plans offer all the benefits of Original Medicare (Part A and Part B), with extras like dental, vision, hearing, and prescription drug coverage.

Medicare Advantage plans

Medicare Supplement insurance plans

Medicare Supplement (Medigap) plans help pay some of the out-of-pocket costs that Original Medicare doesn't pay.

Medicare Supplement insurance plans

Prescription drug plans

Medicare Part D prescription drug plans help pay for prescription drugs. You can combine a Part D plan with Original Medicare or a Medicare Supplement (Medigap) plan.

Prescription drug plans

Dual Special Needs plans

Dual Special Needs plans (D-SNPs) are Part C plans designed for people who are eligible for both Medicare and Medicaid coverage. Many include extra benefits.

Dual Special Needs plans

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[H1] Benefits you want, at little to no extra cost

Not all health insurance is created equal. That's why we're proud to offer low-cost or no-cost Medicaid plans and even more benefits with our Dual Special Needs plans.1

[H2] Learn about our plans

[H3] Medicaid only

Medicaid provides health insurance for some low-income people, children, pregnant women, the elderly and people with disabilities. In some states, Medicaid covers all low-income adults below a certain income level.

Learn about Medicaid plans

[H3] D-SNP

If you're eligible for both Medicare and Medicaid, a Dual Special Needs plan (D-SNP) might be right for you. These plans are available in some states. With a D-SNP, you could get more benefits and features than with Original Medicare, all at no extra cost to you.

Learn about D-SNPs

[H3] Keep track of your doctors and saved D-SNP plans

Your D-SNP saved items

[H3] ACA Marketplace plans

If you buy your own health insurance for you and your family, the health care Marketplace is for you. The Marketplace is where ACA health plans are sold. We offer Individual & Family plans in 23 states.

Learn about Individual & Family ACA plans

[H3] CHIP

Every child deserves to grow up healthy and happy. To help them get there, kids need regular checkups and medical care. If your infant, child or teen doesn't have health insurance, the Children's Health Insurance Program (CHIP) offers low-cost or no-cost coverage.

Learn about CHIP plans

[H2] What type of plan am I eligible for?

Answer a few quick questions to see what type of plan may be a good fit for you.

Plan Eligibility Tool

[H1] Change your location

[H2] What is Medicaid?

Medicaid is a way to get health care at a lower cost or sometimes at no cost to you. Medicaid typically covers children, pregnant women, elderly adults and people with disabilities and eligible low-income adults. Medicaid is managed by each state, so the eligibility requirements can change from state to state.

Learn about Medicaid

View FAQs about Medicaid

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[H2] Medicaid benefits

The federal government requires states provide certain medical benefits to people who are eligible for Medicaid.
States can choose to provide additional, optional benefits like:
Hospital visits and staysDoctor's office visitsPrenatal care and deliveryNursing home servicesHome health servicesEarly childhood screeningsEmergency medical transportation

Learn about Medicaid benefits

[H4] Am I eligible for Medicaid?

Medicaid is managed by each state, so eligibility requirements depend on where you live.

Learn about Medicaid eligibility

[H3] How do I enroll in Medicaid?

To enroll in Medicaid, you’ll need to apply through the Medicaid agency in your state.

Learn how to enroll

[H3] Are you a caregiver?

Find out about resources for those who care for people with both Medicaid and Medicare.

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1 CMS market share of enrollment data March 2023

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[H2] Health plans for individuals and families under age 65

[H3] UnitedHealthcare short term plans
Short term limited duration insurance plans are a way to get fast, flexible coverage if you temporarily don’t have coverage and want to assure you have benefits you need.1 TriTerm Medical plans offer coverage for nearly 3 years in select states.

Shop short term plans

Questions? Call 1-844-635-2495

[H3] UnitedHealthcare Individual and Family ACA Marketplace plans
Find 2026 ACA plans with benefits like primary care, virtual care and more.

Shop ACA plans

Questions? Call 1-877-853-1760, TTY 711

Self-employed plans

Find coverage options if you're self-employed and have no employees.

Student plans

Get coverage that's designed for students while they're in school.

Plans through work

Learn the benefits of UnitedHealthcare plans offered by employers.

Current members

Sign in, find member resources and more.

[H2] Boost your coverage with supplemental plans
Supplemental plans can help you get coverage for care and services not included with your medical insurance plan. You might choose to combine insurance plans to boost your coverage and potentially save money compared to buying plans individually.

Dental plans

Coverage for dental screenings, preventive care and more.

Vision plans

Coverage for vision care, including routine eye exams, vision screenings, prescription glasses and contact lenses.

Fixed benefit health plans

Plans that pay you or your provider a preset amount for specific, covered medical services.

All supplemental plans

Coverage to add on to health insurance plans, including cash-benefit plans, like Accident or Critical illness coverage.

[H2] Get help to find a plan
Answer a few questions to see which options may be available for you.

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[H2] What's the difference between short term plans and ACA plans?

If you're considering a short term plan or an ACA plan, here's a quick overview of how these two types of plans work.

Difference between short term plans and ACA plans
Difference
Short term health insurance plans
ACA Marketplace plans
Plan basics
Plan basics
Short term plans can help you get the benefits you need in times where you may have a gap in coverage — like when you're in between jobs or waiting for other coverage to start.
ACA plans are sold on the health care Marketplace (also called the Exchange). Depending on your income, you may be eligible for government subsidies to help lower the cost of an ACA plan.
Type and length of coverage
Type and length of coverage
Short term plans offer limited coverage for one  month up to nearly 1 year, depending on state. TriTerm Medical plans are a type of short term insurance that offers limited coverage for nearly 3 years in select states.
ACA plans offer comprehensive coverage for a full calendar year as long as you pay your premium.

Consider a short-term plan if you:
Consider an ACA plan if you:
Consider this type of plan if you

Missed open enrollment and don't qualify for a Special Enrollment Period (SEP)
Have a gap until your ACA plan starts
Want coverage until you join Medicare
Turned 26 and are coming off a parent's plan
Are in between jobs or waiting for benefits to start
Are healthy and under 65

Can't get health insurance through work
Need long-term coverage for you and your family
Want comprehensive benefits
Qualify for a premium tax credit

Learn more about short term plans vs ACA plans

[H2] Find individual and family insurance plans in your state
You have insurance options with UnitedHealthcare. Explore the insurance plans available in your state and get fast, free quotes on coverage now.

[H2] Frequently asked questions about individual and family plans

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How do I get individual health insurance?

At any stage in life, finding the right health insurance plan for you — and your family — is important. If you’re looking for individual and family plans and you’re under 65, there are many options to consider, depending on your situation.
For most health insurance plans, you can choose a plan or make changes to a plan you already have during open enrollment. That’s the most common time to get a health insurance plan. However, you can get certain plans like short term insurance or Medicaid at any time during the year.
When you’ve chosen the plan you want, you can enroll. The details of how to enroll will depend on the type of plan. You’ll usually give information about yourself, and other family members covered under your plan. You’ll also review the costs and benefits you’ve chosen.

View more about how to get health insurance

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When can I enroll?

When you can enroll in a plan depends on the kind of plan you choose.
For many plans, there’s an open enrollment period. That’s a period of time that happens once a year — typically in the fall — when you can sign up for health insurance, adjust your current plan or cancel your plan. It’s usually limited to a few weeks.
You can enroll in some plans anytime – like short term, dental or vision plans.
Here are open enrollment dates to know for some common individual and family plans.
Individual & Family ACA Marketplace plans: November 1 through January 15, in most states
Short term plans: Apply anytime
Supplemental plans, like dental/vision: Apply anytime
Health insurance through work: Enrollment periods are set by your employer (typically in fall)

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What are the different types of insurance?

There are many types of health insurance plans — and each is designed to fit different needs. Some types of health insurance include:
Government plans
Affordable Care Act (ACA) plans — which can also be called Marketplace, Exchange plans or Obamacare
Medicare plans — for people over 65 or those under 65 who may qualify because of a disability or special condition
Medicaid plans — Plans that are low cost or no-cost or Dual Special Needs plans (D-SNP)
Short term plans
Most short term plans – provide limited coverage from 1 month up to nearly 1 year, depending on state
TriTerm Medical plans – provide limited coverage for nearly 3 years in select states
Supplemental plans
For example, dental or vision plans, which may cover expenses not covered by a medical plan.
Learn about more about types of health insurance

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How much does health insurance cost?

Different factors can affect your health insurance costs. It’s important to understand what these costs are before choosing a plan. Here are some costs to keep in mind:
Your health insurance plan will have a cost — for example, you may pay a monthly rate, or premium
As a member with a health plan, you may also pay copayments — or other out-of-pocket fees
As a member, you may also have to meet deductibles every year before insurance coverage starts
Knowing how your costs work may be a great way to help you choose which plan might work best for you. It can also help you know better how to use your benefits to your advantage once you enroll.

Learn more about health insurance costs

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What does health insurance cover?

Every health plan is different. Be sure to check your coverage to understand what services are covered under your specific plan.
If you already have a plan, you can call the number on your member ID card or sign in to your health plan account and go to Benefits & Coverage to review what’s covered under your plan.
If you’re shopping for a plan, review the benefits before you decide to enroll. Keep in mind, many plans may focus on health and wellness. Some plans may cover:
Preventive services (when delivered by a doctor or provider in network)
Pre-existing conditions
Mental and behavioral health services
Prescription drugs
Some medical devices (like breast pumps)
Maternity care
Some costs of cancer treatment
Your health plan documents are a good place to look to learn about your coverage details.

Learn how to check coverage using a Summary of Benefits and Coverage

[H2] Explore more health insurance options

Medicare

Plans for people 65 or older or those under 65 who may qualify because of a disability or special condition.

Medicaid

Plans that are low cost or no-cost or Dual Special Needs plans (D-SNP).

Employer group plans

Group health insurance options for employers to offer employees.

[H2] Learn more about health insurance
Browse the topics here to get familiar with health insurance and learn how it works.

[H3] Get answers about health insurance
Let's go over the basics about health insurance and the reasons to have it.

Read about health insurance

[H3] Understand common terms
Premium? Deductible? Learn what these insurance terms may mean for you.

Learn health insurance terms

[H3] Get tips for managing costs
See how to save on health care costs by taking a few simple steps.

Read cost-saving tips