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Health Insurance Information United Healthcare Individual ACA Health Insurance Plans

United Healthcare Individual ACA Health Insurance Plans

United Healthcare logo
About United Healthcare Health Insurance
UnitedHealthcare offers health benefit programs for all ages and lifestyles. This includes individuals, employers, and Medicare and Medicaid beneficiaries.
UnitedHealthcare Individual and Family ACA Marketplace plans offer affordable, reliable coverage options for you and your family. 

United Healthcare Individual ACA Plans State Availability

United Healthcare offers individual ACA health insurance plans in 15 states currently. For 2023 they will expand into four more states for a total of 19 states. On exchange plans are offered on the Federal Marketplace and the state exchanges in states with their own exchange.

States that United Healthcare offers coverage:

Alabama  Colorado  Georgia  Kansas NEW Maryland  Mississippi NEW North Carolina  Oklahoma  Texas  Washington 
Arizona  Florida  Illinois  Louisiana  Michigan  Missouri NEW Ohio NEW Tennessee  Virginia 


NOTEThe states above that you can click are states where US Insurance Solutions is currently licensed. Clicking a state link will take you to our page for that state where you can see ALL health plan options we offer in that state.

NEW This is a new state for 2023

United Healthcare Individual ACA Plans Information

United Healthcare offers several different individual ACA plan types. Take a look at these descriptions and decide what sounds most like you. 

Low-cost and reliable, this basic plan gets the job done. It’s a good fit if you want a low-cost way to protect yourself from worst-case medical scenarios, like serious illness or injury. 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 in the Bronze metal level.

Essential+ introductory video link:

Virtual First
Built with flexibility and convenience on the go, this plan offers unlimited 24/7 $0 virtual care through the Galileo mobile app.^ This plan is a good fit if you’d rather talk, text or have a video visit with a doctor instead of heading to the clinic. Your 24/7 access to virtual care lets you interact with your doctor on your 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 primary and specialty care. Virtual First plans are available in Bronze and Silver metal levels. 

This plan also offers the option to get your Galileo communications in Spanish and connect with a Spanish-speaking Galileo doctor right away. 

This plan isn’t as low-cost as Essential+, but pretty darn close. It offers low-copay primary care visits with your doctor, and an HSA option in a handful of states. Like our other plans, this plan also has you covered if you like the option for virtual care. It’s a good fit if you see your doctor regularly and want something with a few more bells and whistles than the basic plan, without paying a lot for it. Value+ plans are available in Bronze, Silver, and Gold metal levels.

This is our richest plan with the most coverage. It could be a good fit you’re used to having lots of coverage and perks (like embedded adult vision and dental benefits). It’s a good match if you see your doctor often, and you’re willing to pay a little more each month in order to pay less (low, defined copays) when you get care. Advantage+ plans are available in Silver and Gold metal levels.

You can review detailed coverage information by state with these Sample ACA Marketplace plans 

United Healthcare Small Group Plans Information

United Healthcare offers small group health insurance plans in most states. They offer traditional fully insured plans and the opportunity to partially self-fund with a Level Funded plan. Level Funded plans can offer more control over costs, improved financial stability and increased protection against financial risk.
To learn more about how Level Funded plans work and if they might be right for your company review this United Healthcare Level Funded plans brochure.

United Healthcare Provider Networks

To find out which network is available for the plans in your area, and view the providers, please visit the United Healthcare Provider Directory. Click on the link for your state. Then select the network for that state to be taken to the search page.

United Healthcare Prescription Coverage and Formulary Information

In addition, you can check to see if the United Healthcare health plan you want covers the prescription drug(s) that you take by visiting the United Healthcare Pharmacy Search page.

United Healthcare Member Tools, Resources and Plan Highlights

Here’s a look at some of the benefits you could get with one of the 2022 UnitedHealthcare ACA Individual and Family plans:

$0 virtual care^
With most plans, you get $0 virtual visits with a doctor who’s specially trained to provide online urgent, specialty and primary care. Connect with a doctor, get a diagnosis and even get a prescription if you need one.

Prescriptions as low as $3^
Pay a $3 copay^ on Tier 1 generic drugs at Walgreens. Plus, get member-exclusive discounts, like 20% off Walgreens-brand health and wellness products. Available on all plans except Essential+.

Digital fitness classes at no additional cost
Get access to a premium library with thousands of live and on-demand digital fitness classes included in your plan. There’s something for nearly every fitness interest, ability and schedule — from cardio to yoga, and strength training to meditation. Available on all plans. 

Earn a $25 gift card for seeing your doctor^
Taking care of yourself is its own reward, but it can earn you other rewards too. When you see your primary care provider, you can earn a $25 gift card to Walgreens, Walmart or Amazon.^

In addition to these benefits, plans may also include:


  • $0 copay for 3 or more primary care visits^ 
  • Low-cost adult routine vision coverage 
  • $0 adult routine dental visits and care^ 
  • Prescriptions delivered to your door 
  • HSA-eligible plans let you contribute tax-free dollars for eligible health care costs

United Healthcare Individual and Family Plan Quotes

United Healthcare ACA plans are available on the Federal Marketplace and various state exchanges. To see if United Healthcare individual/family ACA health plans are available in your area and get a free quote, just go to our ACA Quotes page.
You can also get quotes for United Healthcare ACA plans directly at the following link:
United Healthcare Direct Quote and Apply

United Healthcare Small Group Plan Quotes

If you would like to get a group health insurance quote for a United Healthcare group health plan your business, the first step is to download and complete our Group Census form.

Please email the completed form

Online Calendar logo U.S. Insurance Solutions is here to help

Remember, you are NOT in this alone…I am here to help! As your Personal Health Insurance Advisor, my goal is to make your life easier by taking the hassle out of finding the right health plan for your situation and needs.

To discuss your health insurance options and make sure you have the best possible health plan for your situation, please go to the link above with the image that says CALL ME and schedule a call with me on a day and time that works for you, and I will call you to review your options.

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