What exactly are ACA Marketplace health insurance 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 may also hear names like Exchange plans and Individual & Family Plans. The health care Marketplace (also called the Exchange) is where ACA health care plans are sold.

How can I save money on the health care Marketplace?

Under the American Rescue Plan Act of 2021 (ARPA) and Inflation Reduction Act of 2022 , you may be able to enroll in ACA Marketplace coverage with lower premiums and see if you qualify for financial subsidies. These subsidies could be tax credits or cost-sharing reductions to help pay for your health care costs.

2024 Open Enrollment starts Nov. 1, 2023, and ends Jan. 15, 2024, in most states. Need to find healthcare coverage outside that enrollment window? You might qualify for a Special Enrollment Period (SEP). Learn about SEP .

Your budget

Low premium ACA Marketplace plans

Let's help you find your personalized Individual & Family ACA Marketplace plan. Enter your ZIP code to view and enroll in 2024 plans.

Questions? Talk with a licensed insurance agent at:
1-844-870-9772, TTY 711

Not in Colorado? Find plans by ZIP code

Find your personalized ACA Marketplace plan

See ACA Marketplace plans

Find your personalized ACA Marketplace plan

See ACA Marketplace plans

Get started

ACA Marketplace plans with benefits that fit your needs

^$0

Unlimited primary care

^$0

Virtual urgent care¹

^$5

or less prescriptions drugs²

^$100

in rewards for health³

The affordable Marketplace plan options you've been looking for

We offer a variety of Individual & Family ACA Marketplace plans that we classify into 4 categories. Within these categories, “metal” levels tell you how costs are divided between you and Rocky Mountain Health Plan.

What to know

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 at the Bronze metal level only.

It’s a good fit if

You rarely see your doctor. You want a low-cost way to protect yourself from worst-case medical scenarios, like serious illness or injury.

The UnitedHealthcare Essential Plan

Video transcript

[UnitedHealthcare logo]

ON-SCREEN TEXT: Individual & Family ACA Marketplace health plans

UnitedHealthcare Essential Plan

ON-SCREEN TEXT: Essential Plan

Your budget + Coverage that fits your needs

fits your budget and your health needs. It’s a great choice if you rarely see a doctor or want protection from serious illness or injury.

ON-SCREEN TEXT: Premiums as low as $0¹

Your monthly premium could be as low as zero dollars but you’ll pay more for care compared to our other plans.

ON-SCREEN TEXT: $0 virtual urgent care²

You’ll get benefits like zero dollar virtual urgent care,

ON-SCREEN TEXT: $5 or less prescription drugs²

low cost prescription drugs

ON-SCREEN TEXT: $100 in rewards²

and up to $100 in rewards.

ON-SCREEN TEXT: Prescription delivery at no additional cost³

Plus, extras like no cost delivery for prescriptions,

ON-SCREEN TEXT: 20% off Walgreens branded products³

discounts on Walgreens health and wellness products,

ON-SCREEN TEXT: On-demand fitness classes³

and on-demand fitness classes.

ON-SCREEN TEXT: In-network providers

And remember, UnitedHealthcare plans give you access to a huge selection of in-network providers

ON-SCREEN TEXT: In-network pharmacies

and over 40,000 in-network pharmacies.

ON-SCREEN TEXT: Enroll in an Individual & Family ACA Marketplace plan today

Essential Plan

Get no-cost 1-on-1 help to enroll in a plan today.

DISCLAIMERS:

¹To qualify for a $0 monthly premium, you must meet household income requirements for Advanced Premium Tax Credits.

² The benefits described may not be offered in all plans or in all states. Some plans may require copayments, deductibles and/or coinsurance for these benefits. This policy has exclusions, limitations, reductions of benefits, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, review your plan documents, call or write your insurance agent or the company, whichever is applicable. Plan specifics and benefits vary by coverage area and by plan category. Please review plan details to learn more. By responding to this offer, you agree that a representative may contact you.

³UnitedHealthcare Internal Analysis, June 2023

UnitedHealthcare Individual & Family plans 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, NJ, and TN; Optimum Choice, Inc. in MD and VA; UnitedHealthcare Community Plan, Inc. in MI; UnitedHealthcare of Mississippi, Inc.; UnitedHealthcare of New Mexico, Inc.; UnitedHealthcare of North Carolina, Inc.; UnitedHealthcare of Ohio, Inc.; UnitedHealthcare of Oklahoma, Inc.; UnitedHealthcare of South Carolina, Inc.; UnitedHealthcare of Texas, Inc.; UnitedHealthcare of Oregon, Inc. in WA; and UnitedHealthcare of Wisconsin, Inc. Administrative services provided by United HealthCare Services, Inc. or its affiliates.

What to know

This plan isn’t as low-cost as Essential, but it’s close. It offers low-copay primary care visits with your doctor, and an HSA option. Like our other plans, this plan also has 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. Value plans are available at the Bronze, Silver and Gold metal levels.

It’s a good fit if

You regularly see your doctor and want something with a few more bells and whistles than the basic plan, without paying a lot for it.

The UnitedHealthcare Value Plan

Video transcript

ON-SCREEN TEXT: Individual & Family ACA Marketplace health plans

Value Plan

Your budget + Coverage that fits

The UnitedHealthcare Value Plan offers a balance of coverage that fits your budget and needs.

It’s a great choice if you see your doctor regularly but don’t want to break your budget.

ON-SCREEN TEXT: Low-cost primary care

Value plans offer primary care at low or no cost.

ON-SCREEN TEXT: $0 unlimited virtual urgent care¹

$5 or less prescription drugs¹

You’ll also get benefits like zero-dollar virtual urgent care and prescription drugs at five dollars or less.

ON-SCREEN TEXT: Health Savings Account

Some Value plans also offer a Health Savings Account option.

ON-SCREEN TEXT: Earn $100 in rewards¹

20% off Walgreens brand products¹

Digital fitness classes on-demand

With extras like a hundred dollars in rewards, Walgreens discounts, and on-demand digital fitness classes, the Value Plan keeps you covered at a price that fits your budget.

ON-SCREEN TEXT: Network providers

Network pharmacies

And remember, UnitedHealthcare plans give you access to a huge selection of in-network providers and over 40,000 in-network pharmacies.

ON-SCREEN TEXT: Enroll in an Individual & Family ACA Marketplace plan today

Value Plan

Get no-cost one-on-one help today.

DISCLAIMERS:

¹The benefits described may not be offered in all plans or in all states. Some plans may require copayments, deductibles and/or coinsurance for these benefits. This policy has exclusions, limitations, reductions of benefits, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, review your plan documents, call or write your insurance agent or the company, whichever is applicable. Plan specifics and benefits vary by coverage area and by plan category. Please review plan details to learn more. By responding to this offer, you agree that a representative may contact you.

What to know

This is our richest plan with the most coverage. It could be a good fit if you’re used to having lots of coverage such as an in-person gym membership at any of our network gyms. Advantage plans are available at the Silver metal level.

It’s a good fit if

You see your doctor often. You’re typically willing to pay a little more each month in order to pay less (lower, defined copays) when you get care.

The UnitedHealthcare Advantage Plan

Video transcript

ON-SCREEN TEXT: Individual & Family ACA Marketplace health plans

Advantage Plan

Your health needs + Coverage and benefits that fit

The UnitedHealthcare Advantage Plan gives you lots of benefits that fit your health needs.

This plan is a great choice if you see your doctor often and want a plan with lots of extras.

ON-SCREEN TEXT: $0 primary care¹

You’ll get lots of benefits like zero-dollar primary care,

ON-SCREEN TEXT: $0 virtual urgent care¹

and zero-dollar virtual urgent care,

ON-SCREEN TEXT: $5 or less prescription drugs¹

prescription drugs at five dollars or less,

ON-SCREEN TEXT: Earn $100 in rewards¹

and up to one hundred dollars in rewards.

ON-SCREEN TEXT: $0 dental preventive visits¹

You’ll also get zero-dollar dental preventive visits

ON-SCREEN TEXT: $0 routine vision exams¹

and zero dollar routine vision exams.

ON-SCREEN TEXT: Prescription delivery at no additional cost

20% off Walgreens brand products¹

$0 gym membership¹

Digital fitness classes on-demand

With extras like no cost delivery for prescriptions, Walgreens discounts, zero dollar memberships at in-network gyms, and on-demand digital fitness classes, the Advantage Plan helps you feel confident your needs are covered.

ON-SCREEN TEXT: Network providers

And remember, UnitedHealthcare plans give you access to a huge selection of in-network providers

ON-SCREEN TEXT: Network pharmacies

and over 40,000 in-network pharmacies.

ON-SCREEN TEXT: Enroll in an Individual & Family ACA Marketplace plan today

Advantage Plan

Get no-cost one-on-one help today.

DISCLAIMERS:

What to know

With a $0 deductible, you won't have to worry about paying out-of-pocket costs before your plan kicks in. You'll pay defined copays, like $15 or $30, for most services starting the first day of your plan. Copay Focus plans are available at the Bronze metal level.

It’s a good fit if

You like greater cost transparency. You're typically willing to pay a little more each month in order to pay lower, defined copays when you get care.

The UnitedHealthcare Copay Focus Plan

Video transcript

ON-SCREEN TEXT: Copay Focus Plan

Your budget + Coverage that fits your needs

The UnitedHealthcare Copay Focus Plan gives you predictable costs while fitting your health needs.

It’s a great choice if you want to know how much your care costs before you see a doctor.

ON-SCREEN TEXT: $0 medical deductible¹

With $0 medical deductible, you won’t have to worry about paying out of pocket to reach a deductible before your plan kicks in.

ON-SCREEN TEXT: $0 virtual urgent care¹

$5 or less prescription drugs¹

$100 in rewards¹

You’ll get benefits like low-cost virtual care, low-cost prescription drugs and up to a hundred dollars in rewards.

ON-SCREEN TEXT: No-cost prescription delivery¹

20% off Walgreens brand products¹

Digital fitness classes on-demand¹

With extras like no-cost delivery for prescriptions, discounts on Walgreens health and wellness products, and on-demand digital fitness classes, the Copay Focus plan keeps you covered at a price you can count on.

ON-SCREEN TEXT: Network providers

Network pharmacies

And remember, UnitedHealthcare plans give you access to a huge selection of in-network providers and over 40,000 in-network pharmacies.

ON-SCREEN TEXT: Enroll in an Individual & Family ACA Marketplace plan today
Copay Focus Plan

Get no-cost one-on-one help to enroll in a plan today.

DISCLAIMERS:

See more details about your 2024 plan options

Simple, easy plan enrollment

Begin the enrollment process in 3 simple steps.

Tell us about you and your family.

See the best plan(s) recommended for you.

Choose a plan and we'll help you enroll.

Let's get started

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.

What are my plan options?

How does the Maretplace work?

How do I pick the right plan?

How do I enroll?

Video transcript

ON-SCREEN TEXT: Individual & Family ACA Marketplace health care plans

Your unique needs + Coverage that fits your budget

UnitedHealthcare Individual & Family ACA Marketplace plans offer coverage that fits your unique needs and your budget.

ON-SCREEN TEXT: $0 monthly premiums¹

More than half of our members pay zero dollars in monthly premiums.

ON-SCREEN TEXT: $0 Preventive care²

Our plans offer benefits like zero-dollar preventive care,

ON-SCREEN TEXT: $0 Virtual urgent care²

zero-dollar virtual urgent care,

ON-SCREEN TEXT: $5 or less prescription drugs²

low-cost prescription drugs

ON-SCREEN TEXT: $100 in rewards²

and up to one hundred dollars in rewards.

ON-SCREEN TEXT: Prescription delivery at no additional cost

20% off Walgreens brand products²

Digital fitness classes on-demand

With extras like no-cost delivery for prescriptions, Walgreens discounts and on-demand digital fitness classes, Individual and Family ACA Marketplace plans have your health needs covered at a price you can afford.

ON-SCREEN TEXT: Network providers

And remember, UnitedHealthcare plans give you access to a huge selection of in-network providers

ON-SCREEN TEXT: Network pharmacies

and over 40,000 in-network pharmacies.

ON-SCREEN TEXT: Enroll by December 15, 2023 for coverage starting January 1, 2024

Open enrollment starts November 1st and lasts until January 15th in most states. For coverage starting January 1st you must enroll by December 15th.

ON-SCREEN TEXT: Answer questions

See plan options

Select your plan

Enrollment is simple. First, we will ask you a few questions, next we will show you your plan options and an estimated cost, and then you choose the plan that fits you best.

ON-SCREEN TEXT: Enroll in an Individual & Family ACA Marketplace plan today

Get no-cost one-on-one help today.

DISCLAIMERS:

¹UnitedHealthcare Internal Analysis Sept 2023. To qualify for a $0 monthly premium, you must meet household income requirements for Advanced Premium Tax Credits.

²The benefits described may not be offered in all plans or in all states. Some plans may require copayments, deductibles and/or coinsurance for these benefits. This policy has exclusions, limitations, reductions of benefits, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, review your plan documents, call or write your insurance agent or the company, whichever is applicable. Plan specifics and benefits vary by coverage area and by plan category. Please review plan details to learn more. By responding to this offer, you agree that a representative may contact you.

Find Individual & Family ACA Marketplace plans in your state

If you buy your own health insurance for you and 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 Exchange plans or Individual & Family plans. Don’t worry, they’re all the same thing — affordable health plan options for you and your family.

Want to know more about ACA Marketplace plans?

Let's cover a few more basics about ACA Marketplace plans.

Looking for a plan?

Enter your ZIP code to see plans in your area.

Talk with a licensed insurance agent at:
1-844-870-9772, 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.

Sign up for updates

Get helpful tips and information to help you better understand your options.⁶

Disclaimers

Medical plan coverage offered by Rocky Mountain Health Maintenance Organization Incorporated in CO or its affiliates.

This policy has exclusions, limitations, reduction of benefits, and 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. By responding to this offer, you agree that a representative may contact you.

The benefits described may not be offered in all plans or in all states. Some plans may require copayments, deductibles and/or coinsurance for these benefits. Plans in metal tiers varies and are subject to plan deductibles, copayments, and coinsurance. By responding to this offer, you agree that a representative may contact you. Plan specifics and benefits vary by coverage area and by plan category. Please review plan details to learn more.

Footnoted disclaimers

Unless otherwise required, virtual care benefits are available only when services are delivered through a Designated Virtual Network Provider. Virtual visits are not intended to address emergency or life-threatening medical conditions and should not be used in those circumstances. Services may not be available at all times, or in all locations, or for all members. Check your benefit plan to determine if these services are available. Data rates may apply. Certain prescriptions may not be available and other restrictions may apply.
The following plan types do not offer $5 or less Tier 2 generic medications: Regulatory-required Standard/HSA Plans, Bronze & Silver Copay Focus Plans, and select State-Based Marketplaces (Maryland, Virginia and Washington). Pay a $5 copay or less for Tier 2 medications listed on the Prescription Drug List (formulary). Not available on all plans or in all states.
Members age 18 and over can earn a $100 prepaid Visa card upon completion of five activities. The subscriber of the plan signs up for Autopay of premiums on behalf of all members enrolled on their plan. Limit one gift card per eligible member. Eligible members who are unable to participate in an available program may be permitted to earn the same reward by completing a reasonable alternative. Call the number on the back of your health plan ID card to learn more. If you receive access to certain reward funds with your Card, you agree to the terms and conditions available at HealthyBenefitsPlus.com/HealthPerks. Call 1-833-818-8692 for rewards balance. No Cash (except as required by law) or ATM Access. Fees and usage restrictions may apply. See cardholder terms for details. Issued by Citizens Alliance Bank, Member FDIC, pursuant to a license from Visa® U.S.A. Inc.
To qualify for a $0 monthly premium, you must meet household income requirements for Advanced Premium Tax Credits.
Copay Focus plans offer access to coverage with a $0 medical deductible and copays for many frequently used benefits. A deductible may apply for some prescription drug benefits. For cost shares and complete details of coverage, contact your broker or the company
"By entering an email and phone number, you agree the information is yours. You also agree to receive recurring text messages regarding deadlines for enrollment as well as general enrollment information through an automatic text messaging system or email. Messaging frequency varies. Agreeing to these terms is not a condition of purchase. Msg & data rates may apply. You can text STOP to opt-out at any time. View SMS Terms & Conditions.

Your budget Low premium ACA Marketplace plans

Your budget Low premium ACA Marketplace plans

Find your personalized ACA Marketplace plan

See ACA Marketplace plans

Find your personalized ACA Marketplace plan

See ACA Marketplace plans

ACA Marketplace plans with benefits that fit your needs

The affordable Marketplace plan options you've been looking for

Essential High-deductible plans with basic coverage for serious illness or injury. Pay a low or $04 monthly premium, but more when you get care.

What to know

It’s a good fit if

The UnitedHealthcare Essential Plan

Value Plans with additional benefits, like $0 doctor visits from the first day of coverage, as well as a Health Savings Account (HSA) option.

What to know

It’s a good fit if

The UnitedHealthcare Value Plan

Advantage Low deductible plans with extras. Pay a slightly higher monthly premium and lower costs when you get care.

What to know

It’s a good fit if

The UnitedHealthcare Advantage Plan

Copay Focus5 $0 medical deductible plans with flat copays for most services. Know what you pay before you see your doctor.

What to know

It’s a good fit if

The UnitedHealthcare Copay Focus Plan

Simple, easy plan enrollment

Learn more about Marketplace health insurance plans and how they work

Find Individual & Family ACA Marketplace plans in your state

Want to know more about ACA Marketplace plans?

What exactly are ACA Marketplace health insurance plans?

How can I save money on the health care Marketplace?

When can I enroll?

Looking for a plan?

Already a member?

Sign up for updates

Your budget

Low premium ACA Marketplace plans

Your budget

Low premium ACA Marketplace plans