If you’re under 65 and shopping for a plan, short term or Affordable Care Act (ACA) plans may work for you.
Explore coverage if you’re turning 65, are already over 65 or may qualify for Medicare because of a disability or other special situation.
If you have a low income or have a special circumstance, you may qualify for these low-cost or no-cost plans.
Enhance your health plan with add-on coverage including dental, vision or cash-benefit plans like accident and critical illness.
Get help to find a plan
Answer a few questions to see which options may be available for you.
What type of health insurance may be right for me?
Choosing the right type of plan for you will depend on things like your age, life situation and needs. Browse the plans below to see which plans may be right for you and your life.
Health insurance plans
Browse plans to help cover medical care and services if you’re under 65, including Affordable Care Act (ACA) Marketplace plans or short term plans.
Medicare plans
Over 65, turning 65 or qualify for Medicare because of a disability or other situation? Explore options, like Medicare Advantage, Medicare Supplement plans and prescription drug coverage.
Dental, vision and supplemental plans
View supplemental insurance plans, like dental or vision plans, and cash-benefit plans, like accident or critical illness plans.
Medicaid plans
Medicaid is health insurance that’s available if you have a low income. Other people sometimes qualify for Medicaid, like pregnant women, children, older people or people with a disability.
Medicaid plans
Medicaid is health insurance that’s available if you have a low income. Other people sometimes qualify for Medicaid, like pregnant women, children, older people or people with a disability.
Dual Special Needs plans
If you have both Medicare and Medicaid, explore Dual Special Needs plans (D-SNP). You’ll keep your Medicare benefits and receive other valuable benefits.
Plans through your work
Is your employer offering a UnitedHealthcare health plan? Learn how plans from UnitedHealthcare offer benefits to help match your needs.
How do I choose a health insurance plan?
When you’re shopping for a health plan, it’s a good idea to start by thinking about the expenses you want the plan to cover. Check to see if the benefits cover things that matter to you — like doctor visits, pharmacy costs or other specific care.
Next, take some time to understand how the costs work. As you shop around, you’ll likely see words like premiums, deductibles and more. These terms will affect your budget — so it’s important to know what they mean. Read on to learn some basics that will help you be a more savvy shopper when you’re choosing a plan.
How health insurance plans work
A premium is a monthly payment you may make to have health insurance. When you’re choosing a plan, there may be a choice to pay a higher or lower premium.
- Higher premium plans often have lower deductible costs
- Lower premium plans often have higher deductible costs
Your deductible is the amount you may pay out-of-pocket when you get care. With most plans, you agree to pay a deductible for care until you have paid a certain amount in a year. After you reach that limit, your insurance plan starts paying.
An out-of-pocket maximum or limit is the most you’d have to pay for services your plan covers within a plan year. That includes your deductible and/or copays/coinsurance. It doesn’t include your monthly premium payments or anything you spend on services not covered by your plan.
If you are asked to pay a copay (also called a copayment or coinsurance), that’s the dollar amount you’ll pay for care. The two payments work slightly differently. Here’s how to know the difference:
| Copay | Coinsurance | |
|---|---|---|
| What is the amount paid? | Flat dollar amount | Percentage of the cost, if you've met your deductible |
| When is it paid? | Typically paid at the time of service | Billed by the provider after the plan processes your claim. You pay the provider directly. |
| Does it count toward your deductible? | No, not in most plans | No, not in most plans |
| Does it count toward your out-of-pocket max? | Yes | Yes |
Learn more about health insurance and how to choose your plan
Shopping for health insurance can feel complicated. Explore these topics to get more tips on how to choose a plan.
Get ready for open enrollment
Open enrollment is the time of year when you choose a plan and enroll.
Explore coverage options
Find out more about types of health insurance before you choose your plan.
Learn about Medicare parts A, B, C and D
Get the details on Medicare coverage options.