ACA Marketplace plans with benefits that fit your needs
$0 medical deductible plans
Low to $0 premiums1
Access to adult dental and vision2
$0 on-demand digital fitness classes3
Get help choosing an ACA plan
Watch these short videos to learn about each of our ACA Marketplace plans and how they may be a good fit.
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Learn more about Marketplace health insurance plans and how they work
Read about the health care Marketplace to get the most from your Individual & Family ACA Marketplace plan.
Luis D., UnitedHealthcare ACA plan member
Find Individual & Family ACA Marketplace plans in your state
If you buy your own health insurance for you or your family, the health care Marketplace is for you. The Marketplace (also called the Exchange) is where ACA health plans are sold. You might also hear these plans called Obamacare or Individual & Family plans. Don’t worry, they’re all the same thing — affordable health plan options for you and your family.
We offer Individual & Family plans in 27 states, including Texas, Florida and Georgia. Plan details vary by state, like premiums, network and certain benefits. The good news? We've got some great universal benefits that everyone can get — no matter where you live. See one member’s story of how their plan supports their health with the right care at the right time. It’s another way we’re there with coverage that matters in moments big and small.
Want to know more about ACA Marketplace plans?
Let's cover a few more basics about ACA Marketplace 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.
Under the American Rescue Plan Act of 2021 (ARPA) and Inflation Reduction Act of 2022, you may qualify for financial subsidies 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.
2026 open enrollment starts Nov. 1, 2025 and ends Dec. 15, 2025, in most states
Need to find health care coverage outside that enrollment window? You might qualify for a Special Enrollment Period (SEP). Learn about SEP.
You can change your plan during the annual open enrollment period (OEP), which typically runs from November 1 to December 15 in most states. Your coverage will start on January 1. You may be able to change your ACA Marketplace plan outside of the open enrollment period if you have a qualifying life event (like turning 26, getting married or having a baby) and qualify for a Special Enrollment Period.
To make changes to your plan or personal information, follow the instructions based on where you enrolled in your plan.
- If you signed up for your plan through a broker, contact them and they can help you make changes
- If you signed up through the Marketplace or UnitedHealthcare, go to healthcare.gov and follow the directions on the website
UnitedHealthcare can guide you through the enrollment process and even provide 1-on-1 enrollment assistance. Some of the information you’ll need to get started includes:
- Mailing address
- Members of your household (even if they don’t need coverage)
- Estimated household income (including wages, government assistance, pension, retirement accounts and other earnings)
You’ll also want to think about your health needs such as current medications, preferred providers and pharmacies. During enrollment we can help you find a plan that fits your needs and budget.
After you enroll in a plan, you’ll need to do a few things to activate your coverage:
- Confirm your eligibility status and plan choice
- Send verification documents to the health insurance Marketplace
- Make your first premium payment
You can enroll in a UnitedHealthcare Individual & Family ACA Marketplace plan directly through UnitedHealthcare if plans are available in your area. We offer 1-on-1 enrollment assistance to help you find the right plan for you. Our plans are available in 27 states:
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Alabama
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Arizona
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Colorado
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Florida
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Georgia
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Illinois
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Indiana
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Iowa
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Kansas
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Louisiana
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Maryland
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Michigan
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Mississippi
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Missouri
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Nebraska
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New Jersey
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New Mexico
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North Carolina
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Ohio
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Oklahoma
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South Carolina
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Tennessee
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Texas
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Virginia
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Washington
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Wisconsin
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Wyoming
If UnitedHealthcare plans are not available in your area, you can go to HealthMarkets to explore ACA plans from other companies.
Looking for a plan?
Enter your ZIP code to see plans in your area.
Talk with a licensed insurance agent at:
1-800-557-6718, TTY 711
8 a.m. – 8 p.m. ET, Monday – 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.
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Get helpful tips and information to help you better understand your options.4