Health insurance plans

Health plans for life's moments

Our plans are made to deliver what matters, from quality coverage to caring support. Find a plan option that works for you.

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All types of plans for all types of people

Health insurance plans

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

Medicare plans

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

Medicaid plans

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

Dental, vision and supplemental plans

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

Frequently asked questions

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.

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.

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.

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.

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.

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.

Here for you in ways big and small

UnitedHealthcare is dedicated to being there for what matters. See what you can expect when you choose us as your health care partner.

Being there for what matters

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MALE: Being there, we know it can make all the difference in the world – to your family,

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to your happiness,

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to your health.

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That's why at UnitedHealthcare, we're dedicated to being there for what matters to you, every day,

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in ways big, and small.

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Helping simplify your healthcare experience.

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Working to help make quality care more affordable, and accessible,

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and offering personalized solutions and support,

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because we believe everyone deserves a healthcare partner who never quits, one you know will be there.

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UnitedHealthcare, there for what matters.

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