Health insurance for individuals & families

Find insurance coverage for you and your family before age 65

If you're looking for individual or family health insurance prior to age 65, you'll find UnitedHealthcare offers many choices to fit your needs. You can also find additional insurance products to round out your coverage.

View individual and family plans

Plans for prior to age 65 or coverage to add on to other health insurance. Enter ZIP code to see available plans in your area.

Looking for a Medicare plan?

Learn about available Medicare plans for people 65+ or those who qualify due to a disability or special situation.

Short term health insurance plans1 lasting nearly 3 years.2 Coverage for preventive care, doctor visits, pharmacy and more.

Need coverage for a brief time? Standard short term health insurance plans1 can help you fill a gap in coverage from 1 month to just under a year.3

Dental plan options that include coverage for preventive care, oral health screenings, orthodontic care and more.

Coverage for vision care, including routine eye exams, vision screenings, prescription glasses and contact lenses.

Insurance that offers benefits to help cover expenses related to qualifying serious illnesses.

Plans that pay a set amount of money for specific medical services that may not be covered by traditional health insurance plan.

Haven't signed up for a 2021 ACA plan yet?

Enrollment is open for Exchange plans through August 15, 2021

Starting April 1, 2021, consumers enrolling in Marketplace coverage will be able to take advantage of lower premiums and access to financial assistance during the American Rescue Plan Act of 2021 (ARPA) announced by the Biden administration. UnitedHealthcare Exchange plans offer a variety of affordable, reliable coverage options. Let us help you get covered today. Find affordable, reliable coverage options in your area at UnitedHealthcare Exchange plans or call 1-800-806-0451 TTY 711. 

If you're looking for Affordable Care Act (ACA) plans in New York or Massachusetts, visit or call 1-844-joinUHC to learn about plans available near you.

Additional UnitedHealthcare insurance plans for individuals and families

UnitedHealthcare health insurance plans for individuals and families
Plan type What it covers
Accident insurance Insurance coverage and benefits that help with expenses in the case of an accidental injury.
Hospitalization insurance Plans that help with the costs of hospitalization by paying a fixed amount per day for hospital stays.
Term life insurance Insurance that helps prepare your family financially by paying a cash benefit in the event of your death.
Insurance bundles Insurance bundles that let you personalize your coverage by purchasing two or more plans together, such as vision and dental insurance, short term coverage and dental insurance and more.
Medicaid Low cost or no cost health insurance coverage that is managed by each state. Eligibility requirements can change from state to state. Your state may even have its own name for its Medicaid program.
Medicare Plans for people 65 or older or those who may qualify because of a disability or special condition.
Dual Special Needs Plans (D-SNP) Insurance coverage for people who qualify for both Medicaid and Medicare. Most dual plans give you more benefits than you get with Original Medicare. 
Children’s Health Insurance Program (CHIP) Low-cost or no-cost coverage for infants, children and teens. Designed to help children get the care they need as they develop.
International travel insurance Coverage that offers protection if unexpected events happen while traveling, including medical emergencies or illnesses, lost passports, lost baggage, travel assistance and more. 
Student health insurance Coverage for students while they’re in school, including plans with lower deductibles, comprehensive benefits and access to a wide provider network.

Find individual & family insurance plans in your state

You have insurance options with UnitedHealthcare. Explore the insurance plans available in your state and get fast, free quotes on coverage now.

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No plans are currently available in New York. Residents should call 1-800-980-5213 for more information.

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You can view details about your plan and coverage, find a doctor, view and print member ID cards and more.

Check out your member benefits

Look into the many programs and services available to you as a member.

Have general questions about health insurance? We’re here to help.

One thing is sure – health insurance isn’t an easy topic. How does it actually work? What’s usually covered? What do all the terms mean? Look to UnitedHealthcare to help you get clear answers about plans, premiums, benefits and more. 


  1. Short term health insurance plans are medically underwritten and do not provide coverage for preexisting conditions. TriTerm Medical plans cover eligible expenses for preexisting conditions after 12 months on the plan.
  2. The coverage term is one day less than 3 years. In SC, plans are three 11-month terms. In IN and OK, plans are three 364-day terms. This coverage does not qualify as "Minimum Essential Coverage" as defined in the Affordable Care Act and may not cover all Essential Health Benefits in your state. And, while enforcement of the federal tax penalty is not occurring in 2019, some states may impose a tax penalty if you do not have MEC coverage.
  3. Product design and availability vary by state. Term lengths available vary by state.


Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates. Administrative services provided by United HealthCare Services, Inc. or their affiliates.

No individual applying for health coverage through the individual marketplace will be discouraged from applying for benefits, turned down for coverage or charged more premium because of health status, medical condition, mental illness claims experience, medical history, genetic information or health disability. In addition, no individual will be denied coverage based on race, color, religion, national origin, sex, sexual orientation, marital status, personal appearance, political affiliation or source of income.

Dental and Vision products are administrated by related companies.

References to UnitedHealthcare pertain to each individual company or other UnitedHealthcare affiliated companies.

Each company is a separate entity and is not responsible for another's financial or contractual obligations.

Products and services offered are underwritten by Golden Rule Insurance Company, Health Plan of Nevada, Inc., Oxford Health Insurance, Inc., UnitedHealthcare Life Insurance Company, UnitedHealthcare of the Mid-Atlantic, Inc., UnitedHealthcare of New York, Inc.