Get the urgent care you need in 15 minutes or less, usually, with three virtual visits at no additional cost to you.
Don't pay more for needed preventive care. These plans offer it at no additional cost.
Save money with $0 co-pays on preventive drugs and the ability to get your prescriptions conveniently at many locations, including Walgreens and Walmart.
You can count on us. Our friendly, knowledgeable team is standing by to help you find an affordable plan that works for you and your family.
From help finding the right plan to help finding the right care, we're here for you.
Get access to a network of quality providers and pharmacies for your needs.
Once you're a member, you'll have 24/7 digital access to care.
Using our 30 years of experience, UnitedHealthcare is offering Exchange plans designed to save you money on the federal marketplace (healthcare.gov) and other state-based marketplaces. We have plan choices in three metal levels.
Bronze plans typically have lower premiums but may require more out-of-pocket cost for care.
Examples of benefits you may find with our bronze plans:
Silver plans sit between gold and bronze for premiums and cost coverage.
Examples of benefits you may find with our silver plans:
Gold plans are typically better for people who use a lot of care and are willing to pay higher premiums to have more covered costs.
Examples of benefits you may find with our gold plans:
The Exchange refers to the Health Insurance Marketplace, where Affordable Care Act (ACA) health care plans are sold. You may have also heard terms like ObamaCare, BidenCare, or Individual and Family Plans (IFP) to refer to these plans, which are all health insurance plans that people can buy on their own, instead of via their employer or via a government-run program like Medicare or Medicaid.
Well, really, almost anyone can get covered with an Affordable Care Act (ACA) plan on the Health Insurance Marketplace, otherwise known as the Exchange.). To be eligible you must live in the US, be a US citizen or national and cannot be incarcerated. However, if you qualify for Medicare or Medicaid – those options may be a better fit for you. And if you have insurance options through your employer, it’s really up to you to decide between that coverage or the plans offered on the Exchange.
The prices depend on the plan you choose. To get a quote on your costs, you’ll need to provide some basic info on your income, where you live, your age and the number of people in your household. Then you can work with some real numbers (you may also qualify for subsidies, which typically reduce your costs). What are subsidies? See the next answer.
Subsidies reduce the cost of your coverage. You may qualify for a subsidy that can lower your overall insurance premiums. When you go through our shopping and enrollment process, you’ll give us an estimate of your income for next year and we’ll give you a quote that outlines what level of subsidy you may qualify for. Still have questions? Give us a call and we can walk you through it.
The American Rescue Plan Act of 2021 (ARP), signed into law by President Biden on March 11, 2021, is designed to ensure more affordable coverage options are available for more people.
The ARP makes major improvements in access to and affordability of health coverage through the Marketplace by increasing eligibility for financial assistance to help pay for Marketplace coverage.
Starting April 1, 2021, consumers enrolling in coverage through the Marketplace will be able to take advantage of lower premiums and access to financial assistance.
Increased premium tax credits* will be available on the Marketplace starting on April 1. This means that new consumers and current enrollees who apply and select a plan on or after April 1 will receive the increased premium tax credits for 2021 Marketplace coverage.
*Tax credits are not applicable to all members.
Good news. Due to the COVID-19 public health emergency, the Biden administration recently announced an SEP which runs from now until 8/15/2021. After this time, qualified individuals can enroll in most states from November 1 through December 15. This is called the open enrollment period (OEP) and the actual dates can vary. You can also enroll outside of the OEP or the current SEP ending 8/15 if you experience certain life events that qualify you for a special enrollment period (SEP).
If you enroll during OEP (for most states that’s 11/1 through 12/15) your coverage will begin on January 1, 2022.
If you enroll during a SEP, your coverage start date could vary. If you enroll by the 15th of the month, your coverage will begin on the first day of the next month after you enroll in a plan. If you enroll between 16th and end of the month your coverage will begin on the first day of the second month after you enroll in a plan.
Keep in mind, there are exceptions to these guidelines depending on which state you enroll in or for certain qualifying life events so if you have questions feel free to give us a call and we’ll walk you through it.
Basically, it’s any time period outside of the regular OEP. There is currently a special enrollment period (SEP) in place through 8/15/2021. However, you may be able to enroll in a health insurance plan after this time, and before the open enrollment period (OEP) begins on 11/1/2021, if you have what’s called a qualifying life event. What is a qualifying life event? A qualifying life event is a big life-changing situation—sometimes planned, sometimes unexpected—that can impact you and your health insurance. Qualifying life events include: having or adopting a baby, getting married, moving to a new area, experiencing a shift in employment status, turning 26, getting divorced, death of someone who shares your health plan, earning U.S. citizenship, or turning 65. In most situations, you’ll need to make changes to your health plan within 60 days of the qualifying life event. Missing this deadline could mean having to wait until the next open enrollment period, which could be as long as a year. For more information, check your plan materials.