UnitedHealthcare Individual & Family health care plans

A glance at your 2022 UnitedHealthcare options

We know everyone has different needs, so we created our plans with that in mind. Compare coverage and find a plan that fits your lifestyle and budget. (Here’s a tip: Decide if you want to pay a coinsurance  or defined copay when you get care. Knowing this helps people budget for their costs.)

benefit chart

Extra savings and benefits — at no additional cost

We know you expect a lot from your health plan. So, we’ve got more to offer. Because we believe more is more. (Except when it comes to cost, of course.) Here’s a look at some of the benefits you could get with one of our 2022 UnitedHealthcare 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.

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.

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


Picking the right UnitedHealthcare Individual & Family plan

Wondering which plan might be right for you? 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. 


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. 

Virtual First


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.


When you count on us, you can count on more

After 30 years in the business, we believe there’s no limit to what care can do. We’re dedicated to connecting you to better health by offering (more) health benefits designed with affordability, simplicity and reliability in mind. After all, you need a plan that’s going to be there for you whenever and wherever, without any hassle.

As the nation’s No. 1 health insurance company¹, we continue to deliver on this promise through community-based health care programs, budget-friendly plan options, and expert support to guide you along your health care journey. No matter which type of UnitedHealthcare coverage you choose, you can count on us for:

  • Answers and advice from our trusted customer service team 
  • Easy ways to manage your plan, find network care and pay bills with an online member account 
  • Clear communication about important plan reminders (and money-saving tips) 
  • A simple enrollment process with personalized plan recommendations

Learn More


How does the Marketplace work?

Read about the types of plans available on the Marketplace, ways you can save money and more.


How do I pick the right plan?

Want to be a savvy shopper? Get tips for comparing coverage and choosing the right plan.


How do I enroll?

We’ll walk you through 3 easy steps and get you enrolled in just minutes.

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