Health insurance is complicated. We make it simple.
Whether it's your first time shopping for an individual and family health plan or you're looking to renew existing coverage, we give you the information you need to make the best decision for you and your family. Choose from metallic plans with essential health benefits. These plans are available at different price points. You can find a plan to fit your budget and situation.
Want to keep your premium low? Consider our Select SaverSM plan. It's our lowest premium plan. You must qualify to apply. This is a great option for people who don't visit the doctor often.
Prefer a plan similar to employer-provided insurance? A Copay plan offers the familiarity of features common to group coverage. You'll pay a set copay for routine health care expenses, which is helpful for people who want to plan out their health care costs in advance.
Perhaps you want more control over your health care expenses. A Health Savings Account (HSA) plan helps you manage your medical bills using a tax-advantaged savings account. This option has one simple, calendar-year deductible per family.
Shopping for Individual and Family Health Insurance
Just like the right individual health insurance plan varies from person to person, so does the way in which people shop for it.
To make the process easier, you can shop for UnitedHealthOneSM health plans in a variety of ways. This helps make finding health insurance simpler.
If you're new to buying health insurance on your own, the Insurance Guide section is a great place to start. You'll learn what key terms mean, which can make a big difference in what plan you choose. Plus, get information on how insurance works for you.
If you’re shopping for coverage outside Open Enrollment, you must have a qualifying life event to apply. Check out our Qualifying Life Event section for a list of events and details about what you need to do to get covered. The clock is ticking—you have a limited amount of time to get coverage.