UnitedHealthcare Exchange plans (ACA plans)

Find affordable, reliable, easy ACA coverage options

UnitedHealthcare is offering Exchange plans designed to help save you money on the federal marketplace and other state-based marketplaces. Backed by our 30 years of experience, these Exchange plans are Affordable Care Act (ACA) plans (also called Marketplace plans or Obamacare) and are available in Bronze, Silver or Gold levels. 

Shop UnitedHealthcare Exchange plans

Find affordable, reliable coverage options near you. 

Looking for ACA plans in New York or Massachusetts? Visit healthcare.gov or call 1-844-joinUHC to learn about your options. 

Want to learn more about Exchange (ACA) plans?

When you're getting started, it may seem like there's a lot to learn about the ACA and the Health Insurance Marketplace. Let's go over some of the basics. 

When the ACA started, Health Insurance Marketplaces (also called Exchanges) were set up. These marketplaces are designed to make it easier to shop for and compare health plans. The government manages the Marketplaces. They can be run by the state or national government — or sometimes the two work together.

You may qualify for tax credits or other help to pay for health insurance costs

ACA (or Marketplace Exchange) plans are designed to give you basic health benefits. Depending on your family situation and annual income, you may be able to get a tax credit to help offset your health insurance costs.

You can check to see if you qualify for help with paying for your plan or a tax credit. Visit healthcare.gov or call 1-844-joinUHC to learn what kind of financial help may be available to you. 

Financial help during the American Rescue Plan Act (ARPA) of 2021

Additionally, starting April 1, 2021, people who enroll in Marketplace (or Exchange) coverage will be able to take advantage of lower premiums and access to financial assistance during ARPA. 

Coverage for pre-existing conditions

Under current law, for ACA health plans that meet minimum essential coverage (MEC) requirements, health insurance companies can’t refuse to cover you or charge you more just because you have a “pre-existing condition” — that is, a health problem you had before the date that new health coverage starts. These rules went into effect for plan years beginning on or after January 1, 2014.

What are qualifying life events?

A qualifying life event is a life-changing situation — sometimes planned, sometimes unexpected — that can impact you and your health insurance. If you have a qualifying life event, you may be able to buy health insurance during a Special Enrollment Period. Learn more about qualifying life events.

Need help finding a plan?

Answer a few questions to see which insurance options may be available for you.

Looking for ACA tax forms?

If you already have an ACA plan, there are 3 types of forms you may need to file your taxes. 

  • Form 1095-A is the Health Insurance Marketplace Statement. You'll receive this form if you enrolled in coverage through the Marketplace.
  • Form 1095-B is a form you may receive from your health insurance company. Sign in to your health plan member account to find this form.
  • Form 1095-C is a form you may receive from your employer if get your health plan through work. 

Learn more about ACA tax forms from the Internal Revenue Service (IRS).

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The Company does not discriminate on the basis of race, color, national origin, age, disability, or sex in its health programs or activities. To learn more, read the entire Non-Discrimination Notice.

Attention: This website is operated by United HealthCare Services, Inc. and is not the Health Insurance Marketplace website.