Individual and family health insurance plans

With individual and family plans from UnitedHealthcare, you'll find health insurance coverage with benefits designed with your unique needs in mind.

Explore UnitedHealthcare short term plans

Short term 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

With UnitedHealthcare, you’ll find ACA plans that put you first — with benefits that fit your needs, like primary care, virtual care and more.

Complete your coverage with supplemental plans

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

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

Get help to find a plan

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.

• 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

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.

For New York residents: No plans are currently available. Call 1-800-980-5213 for more information.

Frequently asked questions about individual and family plans

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.

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)

What are the different types of health 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)
  • Plans that provide limited coverage for a limited period of time
  • For example, dental or vision plans, which may cover expenses not covered by a medical plan.

  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:

  1. Your health insurance plan will have a cost — for example, you may pay a monthly rate, or premium
  2. As a member with a health plan, you may also pay copayments — or other out-of-pocket fees
  3. 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.

  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.

  Explore more health insurance options

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

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

  Group health insurance options for employers to offer employees.

  Learn more about health insurance

  Browse the topics here to get familiar with health insurance and learn how it works.

  Get answers about health insurance

  Let's go over the basics about health insurance and the reasons to have it.

  Understand common terms

  Premium? Deductible? Learn what these insurance terms may mean for you.

  Get tips for managing costs

  See how to save on health care costs by taking a few simple steps.

  Footnotes

  1. Short term plans are medically underwritten. This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy/certificate carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your policy/certificate might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage. This is not Minimum Essential coverage as defined in the Affordable Care Act and may not cover all Essential Health Benefits in your state. Some Short Term plans are available as association group insurance only to members of FACT, an independent association. Additional membership fees may be required. Product design and availability vary by state. Term lengths vary by state.

  Disclaimers

  Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates. Administrative services provided by United HealthCare Services, Inc. or their affiliates.

  No individual applying for health coverage through the individual marketplace will be discouraged from applying for benefits, turned down for coverage or charged more premium because of health status, medical condition, mental illness claims experience, medical history, genetic information or health disability. In addition, no individual will be denied coverage based on race, color, religion, national origin, sex, sexual orientation, marital status, personal appearance, political affiliation or source of income.

  References to UnitedHealthcare pertain to each individual company or other UnitedHealthcare affiliated companies.

  Each company is a separate entity and is not responsible for another's financial or contractual obligations.

  UnitedHealthcare Individual & Family plan 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, KS, LA, MO, and TN; Optimum Choice, Inc. in MD and VA; UnitedHealthcare Community Plan, Inc. in MI; UnitedHealthcare of Mississippi, Inc.; UnitedHealthcare of North Carolina, Inc.; UnitedHealthcare of Ohio, Inc.; UnitedHealthcare of Oklahoma, Inc.; UnitedHealthcare of Texas, Inc.; and UnitedHealthcare of Oregon, Inc. in WA. Administrative services provided by United HealthCare Services, Inc. or its affiliates.

  Other products and services offered are underwritten by Golden Rule Insurance Company, Health Plan of Nevada, Inc., Oxford Health Insurance, Inc., UnitedHealthcare Life Insurance Company, UnitedHealthcare of the Mid-Atlantic, Inc., UnitedHealthcare of New York, Inc.

  This policy has exclusions, limitation, reduction of benefits, terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call or write your insurance agent or the company (whichever is applicable).