Keep your family healthy with affordable health coverage

(BPT) – It’s that time of year again — time to review your health care coverage for the next year. The open enrollment period for Individual and Family ACA Marketplace plans starts Nov. 1, 2024, and ends Jan. 15, 2025, in most states. Now is the time to research and enroll yourself and your family in a health care plan to be sure you are covered in 2025.

Finding an affordable plan that meets your specific needs can seem daunting. This task can be even more challenging if you don’t have access to employer-funded coverage, Medicare, Medicaid, or the Children’s Health Insurance Program (CHIP).

However, you still have options to find an affordable plan through a health insurance marketplace, also known as an exchange. In fact, you may be eligible for financial help to afford your premiums. For example, most UnitedHealthcare Individual and Family ACA Marketplace plan members are receiving a subsidy to help lower their health insurance premiums.

Affordable coverage you can count on

If you’re looking for coverage for yourself or your family, check out UnitedHealthcare’s Individual and Family ACA Marketplace plans. The company has expanded its footprint for ACA plans, offering Individual and Family ACA Marketplace plans in these 30 states for 2025¹:

Alabama, Arizona, Colorado, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Louisiana, Maryland, Massachusetts, Michigan, Mississippi, Missouri, Nebraska, Nevada, New Jersey, New Mexico, New York, North Carolina, Ohio, Oklahoma, South Carolina, Tennessee, Texas, Virginia, Washington, Wisconsin and Wyoming.

UnitedHealthcare is committed to providing affordable plans that members want, including plans with cost transparency and budget predictability. With subsidies from the federal government, many people qualify for plans as low as $0 per month, depending on their income.

Beyond affordability, many plans offer comprehensive benefits that may include²:

• $0 for 8 diabetes management services and $0 for formulary insulin³.
• Virtual behavioral health visits to support your mental health.
• $0 digital fitness with thousands of on-demand and livestream classes.
• Discounted membership to thousands of in-person gyms through One Pass Select^®.⁴
• $150 glasses frame allowance when you add dental and vision coverage to any of the Plus(+) plans.⁵

You don’t have to do it alone

Health care is incredibly personal. When choosing an Individual and Family ACA Marketplace plan, you can reach out to UnitedHealthcare’s dedicated team of experts available to help people select the plan that best fits their needs and budget.

English- and Spanish-language support is available at every touchpoint of the process so you can have a seamless enrollment experience. Whether you are looking for cost predictability, low-cost prescriptions, help managing a chronic condition, or searching for a more convenient way to connect with a provider, you don’t have to do it alone.

Get started

To find the best plan for your family, visit uhc.com/exchange (also available in Spanish: seguromedicoaca.com) or call 877-649-9797 to enroll or change plans from Nov. 1, 2024, to Jan. 15, 2025.⁶

[1] UnitedHealthcare Individual & Family plans medical plan coverage offered by: UnitedHealthcare of Arizona, Inc.; Rocky Mountain Health Maintenance Organization Incorporated in CO; UnitedHealthcare of Florida, Inc.; UnitedHealthcare of Georgia, Inc; UnitedHealthcare of Illinois, Inc.; UnitedHealthcare Insurance Company in AL, IN, KS, LA, MO, NE, NJ, TN, and WY; Optimum Choice, Inc. in MD and VA; UnitedHealthcare Community Plan, Inc. in MI; UnitedHealthcare of Mississippi, Inc.; UnitedHealthcare of New Mexico, Inc.; UnitedHealthcare of North Carolina, Inc.; UnitedHealthcare of Ohio, Inc.; UnitedHealthcare of Oklahoma, Inc.; UnitedHealthcare of South Carolina, Inc.; UnitedHealthcare of Texas, Inc.; UnitedHealthcare of Oregon, Inc. in WA; UnitedHealthcare of Wisconsin, Inc., and UnitedHealthcare Plan of the River Valley in Iowa. Administrative services provided by United HealthCare Services, Inc. or their affiliates.

[2] The benefits described may not be offered in all plans or in all states. Some plans may require copayments, deductibles and/or coinsurance for these benefits. The policy has exclusions, limitations, reduction of benefits, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, review the plan coverage documents or contact UnitedHealthcare.

[3] Requires Type 1 or Type 2 diabetes diagnosis from a medical provider. Diabetic retinal eye exams limited to 1 exam per plan year. Includes certain lab tests specifically used to assess lipid levels, kidney function (including metabolic and urine), and glucose control (HgbA1C) in diabetics. Not available on all plans or in all states.

[4] One Pass Select^® is a voluntary program featuring a subscription based nationwide gym network, digital fitness and grocery delivery service. The information provided under this program is for general informational purposes only and is not intended to be nor should be construed as medical advice. Individuals should consult an appropriate health care professional before beginning any exercise program and/or to determine what may be right for them. Purchasing discounted gym and fitness studio memberships, digital fitness or grocery delivery services may have tax implications. Members should consult an appropriate tax professional to determine if they have any tax obligations with respect to the purchase of these discounted memberships or services under this program, as applicable. One Pass Select is a program offered by Optum. Subscription costs are payable to Optum.

[5] $0 cost-share for network periodic oral evaluation 2 times per consecutive 12 months. Adult dental benefit coverage is limited to a $1,000 benefit maximum per plan year. Coverage for routine vision exam and eyewear is limited to once every 12 months. If you opt to receive vision care services or vision care materials that are not covered benefits under this plan, a participating vision care provider may charge you their normal fee for such services or materials. Coverage may not be available on all plans or in all states. For costs and complete details of coverage, contact your insurance agent or the company, as applicable.

[6] Open enrollment dates may vary by state.