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</script> <div class="full-width-navigation"> <link rel="stylesheet" href="https://www.uhc.com/uhccom-api/static/app/v-1.15.0/header.css" type="text/css"/> <script src="https://www.uhc.com/uhccom-api/static/app/v-1.15.0/uhc-header-component.parcel.js"></script> <abyss-parcel import="uhc-header-component" domain="uhc"></abyss-parcel> </div></div> </div> </div></div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 " data-container-component="containerComponent" data-id="header-promo" id="header-promo"> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 " data-container-component="containerComponent"> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 " data-container-component="containerComponent"> <div class="component fullwidth_split_banner uhc-foundation-full-width-comp aem-GridColumn aem-GridColumn--default--12"> <div class="full-width-split-banner full-width js-image-full-width fw-sb-off-white "> <div class="full-width-split-banner-Wrapper inheritImageHeight"> <figure class="banner__image mt-0 mb-0 full-width-image talign-center inheritImageHeight"> <picture data-fullwidthBannerImge-component="fullwidthBannerImge">  <source media="(min-width: 769px)" data-img-path="/content/dam/uhcdotcom/foundation/images/full-width/shop-all-plans-split-hero-img-desktop-1920x500.jpg" srcset="/content/dam/uhcdotcom/foundation/images/full-width/shop-all-plans-split-hero-img-desktop-1920x500.jpg/jcr:content/renditions/original"/>  <source media="(min-width: 501px) and (max-width: 768px)" data-tablet-img-path="/content/dam/uhcdotcom/foundation/images/full-width/shop-all-plans-split-hero-img-Tablet-1536x400.jpg" srcset="/shop-online-health-insurance-plans/_jcr_content/root/container-headerpromo/container-fullwidthimage/container/fullwidthsplitbanner.coreimg.90.1280.jpeg/1696260113784/shop-all-plans-split-hero-img-tablet-1536x400.jpeg"/>  <source media="(max-width: 500px)" data-mobile-img-path="/content/dam/uhcdotcom/foundation/images/full-width/shop-all-plans-split-hero-img-mobile-1000x300.jpg" srcset="/shop-online-health-insurance-plans/_jcr_content/root/container-headerpromo/container-fullwidthimage/container/fullwidthsplitbanner/mobile.coreimg.90.1024.jpeg/1696260113678/shop-all-plans-split-hero-img-mobile-1000x300.jpeg"/> <img alt="" class=" lazyload" data-src="/content/dam/uhcdotcom/foundation/images/full-width/shop-all-plans-split-hero-img-desktop-1920x500.jpg/jcr:content/renditions/original" property="contentUrl" src="/content/dam/uhcdotcom/foundation/images/full-width/shop-all-plans-split-hero-img-desktop-1920x500.jpg/_jcr_content/renditions/original"/> </picture> </figure> <div class="banner__content vertical_center_aligned inheritImageHeight fw-sb-off-white "> <div class="container responsivegrid"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 " data-container-component="containerComponent"> <div class="component heading talign-left aem-GridColumn aem-GridColumn--default--12"><h1 data-heading-component="Shop UnitedHealthcare health insurance plans">Shop UnitedHealthcare health insurance plans</h1> </div> <div class="component text aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-text__paragraph" data-opensnewwindow="Opens a new window" data-servertypes="htm|html|shtml|xhtml|asp|aspx|ashx|jsp|jsf|do|cfm|gsp|oft|bs|php|net" data-mediafileextensions="avi|csv|doc|docx|gif|jpeg|jpg|mov|mp3|mp4|pdf|png|ppt|pptx|psd|tif|tiff|txt|xls|xlsx|zip"> <p>Shopping for a health insurance plan? With a wide range of plans available, it’s likely you’ll find a UnitedHealthcare plan that’s right for you. Here are some popular plans to consider.</p> </div> <script> window.UHCFoundation.initComponent('TextRTE'); </script></div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <div class="regioncontainer responsivegrid aem-GridColumn aem-GridColumn--default--12"> <main class="aem-Grid aem-Grid--12 aem-Grid--default--12 " tabindex="-1" id="main-content" role="main"> <div class="responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="container responsivegrid --py-4 component aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 " data-container-component="containerComponent"> <div class="grid-component component grid-component--equal-heights aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 " data-grid-component="GridComponent"> <div class="grid-component__container display-grid gridColumns-4 grid-rendered-sizes-" data-grid-component-row="GridComponentRow"> <div class="grid-component__column sm-mb-3 mb-4 grid-col-1" data-grid-component-column="GridComponentColumn"> <div class="container responsivegrid --p-6 component --m-0-last-child --border-greyLight content-w-background--border-radius aem-GridColumn--default--none aem-GridColumn aem-GridColumn--offset--default--0 aem-GridColumn--default--4"> <div class="aem-Grid aem-Grid--4 aem-Grid--default--4 " data-container-component="containerComponent"> <div class="component cta cta--link cta--left spacing--mb--8px aem-GridColumn aem-GridColumn--default--4"> <a href="/individuals-families" data-cta-component="ctaComponent" target="_self">Individual and family plans</a> </div> <div class="component text aem-GridColumn aem-GridColumn--default--4"> <div class="cmp-text__paragraph" data-opensnewwindow="Opens a new window" data-servertypes="htm|html|shtml|xhtml|asp|aspx|ashx|jsp|jsf|do|cfm|gsp|oft|bs|php|net" data-mediafileextensions="avi|csv|doc|docx|gif|jpeg|jpg|mov|mp3|mp4|pdf|png|ppt|pptx|psd|tif|tiff|txt|xls|xlsx|zip"> <p>If you’re under 65, view short term <span style="">or Affordable Care Act (ACA) plan options.</span></p> </div> <script> window.UHCFoundation.initComponent('TextRTE'); </script></div> </div> </div> </div> <div class="grid-component__column sm-mb-3 mb-4 grid-col-2" data-grid-component-column="GridComponentColumn"> <div class="container responsivegrid --p-6 component --m-0-last-child --border-greyLight content-w-background--border-radius aem-GridColumn--default--none aem-GridColumn aem-GridColumn--offset--default--0 aem-GridColumn--default--4"> <div class="aem-Grid aem-Grid--4 aem-Grid--default--4 " data-container-component="containerComponent"> <div class="component cta cta--link cta--left spacing--mb--8px aem-GridColumn aem-GridColumn--default--4"> <a href="/medicare" data-cta-component="ctaComponent" target="_self">Medicare plans</a> </div> <div class="component text aem-GridColumn aem-GridColumn--default--4"> <div class="cmp-text__paragraph" data-opensnewwindow="Opens a new window" data-servertypes="htm|html|shtml|xhtml|asp|aspx|ashx|jsp|jsf|do|cfm|gsp|oft|bs|php|net" data-mediafileextensions="avi|csv|doc|docx|gif|jpeg|jpg|mov|mp3|mp4|pdf|png|ppt|pptx|psd|tif|tiff|txt|xls|xlsx|zip"> <p>If you’re over 65, turning 65 or have a disability or other special situation, explore Medicare plans.</p> </div> <script> window.UHCFoundation.initComponent('TextRTE'); </script></div> </div> </div> </div> <div class="grid-component__column sm-mb-3 mb-4 grid-col-3" data-grid-component-column="GridComponentColumn"> <div class="container responsivegrid --p-6 component --m-0-last-child --border-greyLight content-w-background--border-radius aem-GridColumn--default--none aem-GridColumn aem-GridColumn--offset--default--0 aem-GridColumn--default--4"> <div class="aem-Grid aem-Grid--4 aem-Grid--default--4 " data-container-component="containerComponent"> <div class="component cta cta--link cta--left spacing--mb--8px aem-GridColumn aem-GridColumn--default--4"> <a href="https://www.uhc.com/communityplan/medicaid" data-cta-component="ctaComponent" target="_self">Medicaid plans</a> </div> <div class="component text aem-GridColumn aem-GridColumn--default--4"> <div class="cmp-text__paragraph" data-opensnewwindow="Opens a new window" data-servertypes="htm|html|shtml|xhtml|asp|aspx|ashx|jsp|jsf|do|cfm|gsp|oft|bs|php|net" data-mediafileextensions="avi|csv|doc|docx|gif|jpeg|jpg|mov|mp3|mp4|pdf|png|ppt|pptx|psd|tif|tiff|txt|xls|xlsx|zip"> <p>If you have a low income or a special circumstance, view low-cost or no-cost plans.</p> </div> <script> window.UHCFoundation.initComponent('TextRTE'); </script></div> </div> </div> </div> <div class="grid-component__column sm-mb-3 mb-4 grid-col-4" data-grid-component-column="GridComponentColumn"> <div class="container responsivegrid --p-6 component --m-0-last-child --border-greyLight content-w-background--border-radius aem-GridColumn--default--none aem-GridColumn aem-GridColumn--offset--default--0 aem-GridColumn--default--4"> <div class="aem-Grid aem-Grid--4 aem-Grid--default--4 " data-container-component="containerComponent"> <div class="component cta cta--link cta--left spacing--mb--8px aem-GridColumn aem-GridColumn--default--4"> <a href="/dental-vision-supplemental-plans" data-cta-component="ctaComponent" target="_self">Supplemental plans</a> </div> <div class="component text aem-GridColumn aem-GridColumn--default--4"> <div class="cmp-text__paragraph" data-opensnewwindow="Opens a new window" data-servertypes="htm|html|shtml|xhtml|asp|aspx|ashx|jsp|jsf|do|cfm|gsp|oft|bs|php|net" data-mediafileextensions="avi|csv|doc|docx|gif|jpeg|jpg|mov|mp3|mp4|pdf|png|ppt|pptx|psd|tif|tiff|txt|xls|xlsx|zip"> <p>If you want enhanced coverage, find dental, vision, accident and more plan options.</p> </div> <script> window.UHCFoundation.initComponent('TextRTE'); </script></div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="component planfinder-react aem-GridColumn aem-GridColumn--default--12"> <plan-finder-component headingfilters="Find insurance plans for you" headingtype="h2" headingstyle="heading-text__h1" enableresultstate="false" targeturl="/insurance-plan-finder/insurance-plan-finder-results" service-endpoint="/uhccom-api/planinfoservice/planInfo"></plan-finder-component> <div class="padding-full-width lightblue-background adjust-general-margins pt-8" id="planfinder-initial-loader" style="margin-top:30px"> <img src="/etc.clientlibs/uhcfoundation/clientlibs/clientlib-initial/resources/page-loader-plan-finder-blue-1180x392.jpg" alt="loading..."/> </div> </div> <div class="container responsivegrid aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--default--0"> <div class="aem-Grid aem-Grid--12 aem-Grid--tablet--12 aem-Grid--default--12 aem-Grid--phone--12 " data-container-component="containerComponent"> <div class="component heading padding--height--1 talign-center aem-GridColumn aem-GridColumn--default--12"><h2 data-heading-component="What type of health insurance may be right for me?">What type of health insurance may be right for me?</h2> </div> <div class="component text aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2"> <div class="cmp-text__paragraph" data-opensnewwindow="Opens a new window" data-servertypes="htm|html|shtml|xhtml|asp|aspx|ashx|jsp|jsf|do|cfm|gsp|oft|bs|php|net" data-mediafileextensions="avi|csv|doc|docx|gif|jpeg|jpg|mov|mp3|mp4|pdf|png|ppt|pptx|psd|tif|tiff|txt|xls|xlsx|zip"> <p style="text-align: center;">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.</p> </div> <script> window.UHCFoundation.initComponent('TextRTE'); </script></div> <div class="container responsivegrid aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--phone--hide aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0 aem-GridColumn--tablet--hide"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 " data-container-component="containerComponent"> <div class="grid-component component grid-component--equal-heights aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 " data-grid-component="GridComponent"> <div class="grid-component__container display-grid gridColumns-3 grid-rendered-sizes-" data-grid-component-row="GridComponentRow"> <div class="grid-component__column sm-mb-3 mb-4 grid-col-1" data-grid-component-column="GridComponentColumn"> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 " data-container-component="containerComponent"> <div class="component heading aem-GridColumn aem-GridColumn--default--12"><h3 data-heading-component="Health insurance plans">Health insurance plans</h3> </div> <div class="component text aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-text__paragraph" data-opensnewwindow="Opens a new window" data-servertypes="htm|html|shtml|xhtml|asp|aspx|ashx|jsp|jsf|do|cfm|gsp|oft|bs|php|net" data-mediafileextensions="avi|csv|doc|docx|gif|jpeg|jpg|mov|mp3|mp4|pdf|png|ppt|pptx|psd|tif|tiff|txt|xls|xlsx|zip"> <p>Browse plans to help cover medical care and services if you’re under 65. Options include ACA plans and short term plans offering temporary coverage.</p> </div> <script> window.UHCFoundation.initComponent('TextRTE'); </script></div> <div class="component cta button-style__outline-blue cta--remove-icon cta--left aem-GridColumn aem-GridColumn--default--12"> <a href="https://www.uhc.com/individuals-families" data-cta-component="ctaComponent" data-cta target="_self" aria-label="See all health insurance plans">See all health insurance plans</a> </div> <div class="component cta cta--link cta--left aem-GridColumn aem-GridColumn--default--12"> <a href="https://www.uhc.com/individuals-families/aca-marketplace" data-cta-component="ctaComponent" target="_self" aria-label="View Affordable Care Act (ACA) Marketplace plans">Affordable Care Act (ACA) Marketplace plans</a> </div> <div class="component cta cta--link cta--left aem-GridColumn aem-GridColumn--default--12"> <a href="https://www.uhc.com/shop/individuals-families/en/quote/census?leadsourcename=UHC_Website_Shop" data-cta-component="ctaComponent" target="_self" aria-label="View short term plans">Short term plans</a> </div> </div> </div> </div> <div class="grid-component__column sm-mb-3 mb-4 grid-col-2" data-grid-component-column="GridComponentColumn"> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 " data-container-component="containerComponent"> <div class="component heading aem-GridColumn aem-GridColumn--default--12"><h3 data-heading-component="Medicare plans">Medicare plans</h3> </div> <div class="component text aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-text__paragraph" data-opensnewwindow="Opens a new window" data-servertypes="htm|html|shtml|xhtml|asp|aspx|ashx|jsp|jsf|do|cfm|gsp|oft|bs|php|net" data-mediafileextensions="avi|csv|doc|docx|gif|jpeg|jpg|mov|mp3|mp4|pdf|png|ppt|pptx|psd|tif|tiff|txt|xls|xlsx|zip"> <p>Over 65, turning 65 or qualify for Medicare because of a disability or other situation? Explore options for Medicare plans and prescription drug coverage.</p> </div> <script> window.UHCFoundation.initComponent('TextRTE'); </script></div> <div class="component cta button-style__outline-blue cta--remove-icon cta--left aem-GridColumn aem-GridColumn--default--12"> <a href="https://www.uhc.com/medicare" data-cta-component="ctaComponent" data-cta target="_self" aria-label="See all Medicare plans">See all Medicare plans</a> </div> <div class="component cta cta--link cta--left aem-GridColumn aem-GridColumn--default--12"> <a href="https://www.uhc.com/medicare/medicare-education/medicare-advantage-plans.html" data-cta-component="ctaComponent" target="_self" aria-label="View Medicare Advantage plans">Medicare Advantage plans</a> </div> <div class="component cta cta--link cta--left aem-GridColumn aem-GridColumn--default--12"> <a href="https://www.uhc.com/medicare/medicare-education/medicare-supplement-plans.html" data-cta-component="ctaComponent" target="_self" aria-label="View Medicare Supplement plans">Medicare Supplement plans</a> </div> </div> </div> </div> <div class="grid-component__column sm-mb-3 mb-4 grid-col-3" data-grid-component-column="GridComponentColumn"> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 " data-container-component="containerComponent"> <div class="component heading aem-GridColumn aem-GridColumn--default--12"><h3 data-heading-component="Dental, vision and supplemental plans">Dental, vision and supplemental plans</h3> </div> <div class="component text aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-text__paragraph" data-opensnewwindow="Opens a new window" data-servertypes="htm|html|shtml|xhtml|asp|aspx|ashx|jsp|jsf|do|cfm|gsp|oft|bs|php|net" data-mediafileextensions="avi|csv|doc|docx|gif|jpeg|jpg|mov|mp3|mp4|pdf|png|ppt|pptx|psd|tif|tiff|txt|xls|xlsx|zip"> <p>View supplemental insurance plans, like dental and vision coverage. Plus, find cash-benefit plans like accident or critical illness insurance.</p> </div> <script> window.UHCFoundation.initComponent('TextRTE'); </script></div> <div class="component cta button-style__outline-blue cta--remove-icon cta--left aem-GridColumn aem-GridColumn--default--12"> <a href="https://www.uhc.com/dental-vision-supplemental-plans" data-cta-component="ctaComponent" data-cta target="_self" aria-label="See all supplemental plans">See all supplemental plans</a> </div> <div class="component cta cta--link cta--left aem-GridColumn aem-GridColumn--default--12"> <a href="https://www.uhc.com/shop/individuals-families/en/quote/census/dental" data-cta-component="ctaComponent" target="_self" aria-label="View dental plans">Dental plans</a> </div> <div class="component cta cta--link cta--left aem-GridColumn aem-GridColumn--default--12"> <a href="https://www.uhc.com/shop/individuals-families/en/quote/census/vision" data-cta-component="ctaComponent" target="_self" aria-label="View vision plans">Vision plans</a> </div> <div class="component cta cta--link cta--left aem-GridColumn aem-GridColumn--default--12"> <a href="https://www.uhc.com/dental-vision-supplemental-plans/accident-insurance" data-cta-component="ctaComponent" target="_self" aria-label="View accident insurance">Accident insurance</a> </div> <div class="component cta cta--link cta--left aem-GridColumn aem-GridColumn--default--12"> <a href="https://www.uhc.com/dental-vision-supplemental-plans/critical-illness-insurance" data-cta-component="ctaComponent" target="_self" aria-label="View critical illness plans">Critical illness plans</a> </div> </div> </div> </div> </div> </div> </div> <div class="grid-component component grid-component--equal-heights aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 " data-grid-component="GridComponent"> <div class="grid-component__container display-grid gridColumns-3 grid-rendered-sizes-" data-grid-component-row="GridComponentRow"> <div class="grid-component__column sm-mb-3 mb-4 grid-col-1" data-grid-component-column="GridComponentColumn"> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 " data-container-component="containerComponent"> <div class="component heading aem-GridColumn aem-GridColumn--default--12"><h3 data-heading-component="Medicaid plans">Medicaid plans</h3> </div> <div class="component text aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-text__paragraph" data-opensnewwindow="Opens a new window" data-servertypes="htm|html|shtml|xhtml|asp|aspx|ashx|jsp|jsf|do|cfm|gsp|oft|bs|php|net" data-mediafileextensions="avi|csv|doc|docx|gif|jpeg|jpg|mov|mp3|mp4|pdf|png|ppt|pptx|psd|tif|tiff|txt|xls|xlsx|zip"> <p>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.</p> </div> <script> window.UHCFoundation.initComponent('TextRTE'); </script></div> <div class="component cta button-style__outline-blue cta--remove-icon cta--left aem-GridColumn aem-GridColumn--default--12"> <a href="https://www.uhc.com/communityplan/medicaid?WT.mc_id=8036522" data-cta-component="ctaComponent" data-cta target="_self" aria-label="See Medicaid plans">See Medicaid plans</a> </div> </div> </div> </div> <div class="grid-component__column sm-mb-3 mb-4 grid-col-2" data-grid-component-column="GridComponentColumn"> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 " data-container-component="containerComponent"> <div class="component heading aem-GridColumn aem-GridColumn--default--12"><h3 data-heading-component="Dual Special Needs plans">Dual Special Needs plans</h3> </div> <div class="component text aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-text__paragraph" data-opensnewwindow="Opens a new window" data-servertypes="htm|html|shtml|xhtml|asp|aspx|ashx|jsp|jsf|do|cfm|gsp|oft|bs|php|net" data-mediafileextensions="avi|csv|doc|docx|gif|jpeg|jpg|mov|mp3|mp4|pdf|png|ppt|pptx|psd|tif|tiff|txt|xls|xlsx|zip"> <p>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.</p> </div> <script> window.UHCFoundation.initComponent('TextRTE'); </script></div> <div class="component cta button-style__outline-blue cta--remove-icon cta--left aem-GridColumn aem-GridColumn--default--12"> <a href="https://www.uhc.com/communityplan/dual-special-needs-plans?WT.mc_id=8036522" data-cta-component="ctaComponent" data-cta target="_self" aria-label="See D-SNP plans">See D-SNP plans</a> </div> </div> </div> </div> <div class="grid-component__column sm-mb-3 mb-4 grid-col-3" data-grid-component-column="GridComponentColumn"> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 " data-container-component="containerComponent"> <div class="component heading aem-GridColumn aem-GridColumn--default--12"><h3 data-heading-component="Plans through your work">Plans through your work</h3> </div> <div class="component text aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-text__paragraph" data-opensnewwindow="Opens a new window" data-servertypes="htm|html|shtml|xhtml|asp|aspx|ashx|jsp|jsf|do|cfm|gsp|oft|bs|php|net" data-mediafileextensions="avi|csv|doc|docx|gif|jpeg|jpg|mov|mp3|mp4|pdf|png|ppt|pptx|psd|tif|tiff|txt|xls|xlsx|zip"> <p>Is your employer offering a UnitedHealthcare health plan? Learn how plans from UnitedHealthcare offer benefits to help match your needs.</p> </div> <script> window.UHCFoundation.initComponent('TextRTE'); </script></div> <div class="component cta button-style__outline-blue cta--remove-icon cta--left aem-GridColumn aem-GridColumn--default--12"> <a href="https://www.uhc.com/individuals-families/health-plans-through-work" data-cta-component="ctaComponent" data-cta target="_self" aria-label="Learn about plans through work">Learn about plans through work</a> </div> <div class="component cta cta--link cta--left aem-GridColumn aem-GridColumn--default--12"> <a href="https://www.uhc.com/employer" data-cta-component="ctaComponent" target="_self" aria-label="Find employer group plans to offer your employees">Find employer group plans to offer your employees</a> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn--default--hide aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--default--0"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 " data-container-component="containerComponent"> <div class="grid-component component grid-component--equal-heights aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--0 " data-grid-component="GridComponent"> <div class="grid-component__container display-grid gridColumns-2 grid-rendered-sizes-" data-grid-component-row="GridComponentRow"> <div class="grid-component__column sm-mb-3 mb-4 grid-col-1" data-grid-component-column="GridComponentColumn"> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 " data-container-component="containerComponent"> <div class="component heading aem-GridColumn aem-GridColumn--default--12"><h3 data-heading-component="Health insurance plans">Health insurance plans</h3> </div> <div class="component text aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-text__paragraph" data-opensnewwindow="Opens a new window" data-servertypes="htm|html|shtml|xhtml|asp|aspx|ashx|jsp|jsf|do|cfm|gsp|oft|bs|php|net" data-mediafileextensions="avi|csv|doc|docx|gif|jpeg|jpg|mov|mp3|mp4|pdf|png|ppt|pptx|psd|tif|tiff|txt|xls|xlsx|zip"> <p>Browse plans to help cover medical care and services if you’re under 65. Options include ACA plans and short term plans offering temporary coverage.</p> </div> <script> window.UHCFoundation.initComponent('TextRTE'); </script></div> <div class="component cta button-style__outline-blue cta--remove-icon cta--left aem-GridColumn aem-GridColumn--default--12"> <a href="https://www.uhc.com/individuals-families" data-cta-component="ctaComponent" data-cta target="_self" aria-label="See all health insurance plans">See all health insurance plans</a> </div> <div class="component cta cta--link cta--left aem-GridColumn aem-GridColumn--default--12"> <a href="https://www.uhc.com/individuals-families/aca-marketplace" data-cta-component="ctaComponent" target="_self" aria-label="View Affordable Care Act (ACA) Marketplace plans">Affordable Care Act (ACA) Marketplace plans</a> </div> <div class="component cta cta--link cta--left aem-GridColumn aem-GridColumn--default--12"> <a href="https://www.uhc.com/shop/individuals-families/en/quote/census?leadsourcename=UHC_Website_Shop" data-cta-component="ctaComponent" target="_self" aria-label="View short term plans">Short term plans</a> </div> </div> </div> </div> <div class="grid-component__column sm-mb-3 mb-4 grid-col-2" data-grid-component-column="GridComponentColumn"> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 " data-container-component="containerComponent"> <div class="component heading aem-GridColumn aem-GridColumn--default--12"><h3 data-heading-component="Medicare plans">Medicare plans</h3> </div> <div class="component text aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-text__paragraph" data-opensnewwindow="Opens a new window" data-servertypes="htm|html|shtml|xhtml|asp|aspx|ashx|jsp|jsf|do|cfm|gsp|oft|bs|php|net" data-mediafileextensions="avi|csv|doc|docx|gif|jpeg|jpg|mov|mp3|mp4|pdf|png|ppt|pptx|psd|tif|tiff|txt|xls|xlsx|zip"> <p>Over 65, turning 65 or qualify for Medicare because of a disability or other situation? Explore options for Medicare plans and prescription drug coverage.</p> </div> <script> window.UHCFoundation.initComponent('TextRTE'); </script></div> <div class="component cta button-style__outline-blue cta--remove-icon cta--left aem-GridColumn aem-GridColumn--default--12"> <a href="https://www.uhc.com/medicare" data-cta-component="ctaComponent" data-cta target="_self" aria-label="See all Medicare plans">See all Medicare plans</a> </div> <div class="component cta cta--link cta--left aem-GridColumn aem-GridColumn--default--12"> <a href="https://www.uhc.com/medicare/medicare-education/medicare-advantage-plans.html" data-cta-component="ctaComponent" target="_self" aria-label="View Medicare Advantage plans">Medicare Advantage plans</a> </div> <div class="component cta cta--link cta--left aem-GridColumn aem-GridColumn--default--12"> <a href="https://www.uhc.com/medicare/medicare-education/medicare-supplement-plans.html" data-cta-component="ctaComponent" target="_self" aria-label="View Medicare Supplement plans">Medicare Supplement plans</a> </div> </div> </div> </div> </div> <div class="grid-component__container display-grid gridColumns-2 grid-rendered-sizes-" data-grid-component-row="GridComponentRow"> <div class="grid-component__column sm-mb-3 mb-4 grid-col-1" data-grid-component-column="GridComponentColumn"> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 " data-container-component="containerComponent"> <div class="component heading aem-GridColumn aem-GridColumn--default--12"><h3 data-heading-component="Dental, vision and supplemental plans">Dental, vision and supplemental plans</h3> </div> <div class="component text aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-text__paragraph" data-opensnewwindow="Opens a new window" data-servertypes="htm|html|shtml|xhtml|asp|aspx|ashx|jsp|jsf|do|cfm|gsp|oft|bs|php|net" data-mediafileextensions="avi|csv|doc|docx|gif|jpeg|jpg|mov|mp3|mp4|pdf|png|ppt|pptx|psd|tif|tiff|txt|xls|xlsx|zip"> <p>View supplemental insurance plans, like dental and vision coverage. Plus, find cash-benefit plans like accident or critical illness insurance.</p> </div> <script> window.UHCFoundation.initComponent('TextRTE'); </script></div> <div class="component cta button-style__outline-blue cta--remove-icon cta--left aem-GridColumn aem-GridColumn--default--12"> <a href="https://www.uhc.com/dental-vision-supplemental-plans" data-cta-component="ctaComponent" data-cta target="_self" aria-label="See all supplemental plans">See all supplemental plans</a> </div> <div class="component cta cta--link cta--left aem-GridColumn aem-GridColumn--default--12"> <a href="https://www.uhc.com/shop/individuals-families/en/quote/census/dental" data-cta-component="ctaComponent" target="_self" aria-label="View dental plans">Dental plans</a> </div> <div class="component cta cta--link cta--left aem-GridColumn aem-GridColumn--default--12"> <a href="https://www.uhc.com/shop/individuals-families/en/quote/census/vision" data-cta-component="ctaComponent" target="_self" aria-label="View vision plans">Vision plans</a> </div> <div class="component cta cta--link cta--left aem-GridColumn aem-GridColumn--default--12"> <a href="https://www.uhc.com/dental-vision-supplemental-plans/accident-insurance" data-cta-component="ctaComponent" target="_self" aria-label="View accident insurance">Accident insurance</a> </div> <div class="component cta cta--link cta--left aem-GridColumn aem-GridColumn--default--12"> <a href="https://www.uhc.com/dental-vision-supplemental-plans/critical-illness-insurance" data-cta-component="ctaComponent" target="_self" aria-label="View critical illness plans">Critical illness plans</a> </div> </div> </div> </div> <div class="grid-component__column sm-mb-3 mb-4 grid-col-2" data-grid-component-column="GridComponentColumn"> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 " data-container-component="containerComponent"> <div class="component heading aem-GridColumn aem-GridColumn--default--12"><h3 data-heading-component="Medicaid plans">Medicaid plans</h3> </div> <div class="component text aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-text__paragraph" data-opensnewwindow="Opens a new window" data-servertypes="htm|html|shtml|xhtml|asp|aspx|ashx|jsp|jsf|do|cfm|gsp|oft|bs|php|net" data-mediafileextensions="avi|csv|doc|docx|gif|jpeg|jpg|mov|mp3|mp4|pdf|png|ppt|pptx|psd|tif|tiff|txt|xls|xlsx|zip"> <p>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.</p> </div> <script> window.UHCFoundation.initComponent('TextRTE'); </script></div> <div class="component cta button-style__outline-blue cta--remove-icon cta--left aem-GridColumn aem-GridColumn--default--12"> <a href="https://www.uhc.com/communityplan/medicaid?WT.mc_id=8036522" data-cta-component="ctaComponent" data-cta target="_self" aria-label="See Medicaid plans">See Medicaid plans</a> </div> </div> </div> </div> </div> </div> </div> <div class="grid-component component grid-component--equal-heights aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--0 " data-grid-component="GridComponent"> <div class="grid-component__container display-grid gridColumns-2 grid-rendered-sizes-" data-grid-component-row="GridComponentRow"> <div class="grid-component__column sm-mb-3 mb-4 grid-col-1" data-grid-component-column="GridComponentColumn"> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 " data-container-component="containerComponent"> <div class="component heading aem-GridColumn aem-GridColumn--default--12"><h3 data-heading-component="Dual Special Needs plans">Dual Special Needs plans</h3> </div> <div class="component text aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-text__paragraph" data-opensnewwindow="Opens a new window" data-servertypes="htm|html|shtml|xhtml|asp|aspx|ashx|jsp|jsf|do|cfm|gsp|oft|bs|php|net" data-mediafileextensions="avi|csv|doc|docx|gif|jpeg|jpg|mov|mp3|mp4|pdf|png|ppt|pptx|psd|tif|tiff|txt|xls|xlsx|zip"> <p>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.</p> </div> <script> window.UHCFoundation.initComponent('TextRTE'); </script></div> <div class="component cta button-style__outline-blue cta--remove-icon cta--left aem-GridColumn aem-GridColumn--default--12"> <a href="https://www.uhc.com/communityplan/dual-special-needs-plans?WT.mc_id=8036522" data-cta-component="ctaComponent" data-cta target="_self" aria-label="See D-SNP plans">See D-SNP plans</a> </div> </div> </div> </div> <div class="grid-component__column sm-mb-3 mb-4 grid-col-2" data-grid-component-column="GridComponentColumn"> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 " data-container-component="containerComponent"> <div class="component heading aem-GridColumn aem-GridColumn--default--12"><h3 data-heading-component="Plans through your work">Plans through your work</h3> </div> <div class="component text aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-text__paragraph" data-opensnewwindow="Opens a new window" data-servertypes="htm|html|shtml|xhtml|asp|aspx|ashx|jsp|jsf|do|cfm|gsp|oft|bs|php|net" data-mediafileextensions="avi|csv|doc|docx|gif|jpeg|jpg|mov|mp3|mp4|pdf|png|ppt|pptx|psd|tif|tiff|txt|xls|xlsx|zip"> <p>Is your employer offering a UnitedHealthcare health plan? Learn how plans from UnitedHealthcare offer benefits to help match your needs.</p> </div> <script> window.UHCFoundation.initComponent('TextRTE'); </script></div> <div class="component cta button-style__outline-blue cta--remove-icon cta--left aem-GridColumn aem-GridColumn--default--12"> <a href="https://www.uhc.com/individuals-families/health-plans-through-work" data-cta-component="ctaComponent" data-cta target="_self" aria-label="Learn about plans through work">Learn about plans through work</a> </div> <div class="component cta cta--link cta--left aem-GridColumn aem-GridColumn--default--12"> <a href="https://www.uhc.com/employer" data-cta-component="ctaComponent" target="_self" aria-label="Find employer group plans to offer your employees">Find employer group plans to offer your employees</a> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="hr my-3 aem-GridColumn aem-GridColumn--default--12"> <hr/></div> <div class="faq-container responsivegrid aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2"> <div class="aem-Grid aem-Grid--8 aem-Grid--default--8 "> <script type="application/ld+json"> { "@context" : "https://schema.org", "@type" : "FAQPage", "mainEntity" : [ { "@type" : "Question", "name" : "Premium", "acceptedAnswer" : { "@type" : "Answer", "text" : "<p>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. </p>\n<ul>\n <li>Higher premium plans often have lower deductible costs<br></li>\n <li>Lower premium plans often have higher deductible costs<br></li>\n</ul>" } }, { "@type" : "Question", "name" : "Deductible", "acceptedAnswer" : { "@type" : "Answer", "text" : "<p>Your <a href=\"https://www.uhc.com/understanding-health-insurance/understanding-health-insurance-costs/types-of-health-insurance-costs/what-is-a-deductible\">deductible</a> 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.</p>" } }, { "@type" : "Question", "name" : "Out-of-pocket maximum ", "acceptedAnswer" : { "@type" : "Answer", "text" : "<p>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.</p>" } }, { "@type" : "Question", "name" : "Copays and Coinsurance", "acceptedAnswer" : { "@type" : "Answer", "text" : "<p>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:</p>" } } ] } </script> <div class="component heading padding--height--2 talign-center aem-GridColumn aem-GridColumn--default--8"><h2 data-heading-component="How do I choose a health insurance plan?">How do I choose a health insurance plan?</h2> </div> <div class="component text aem-GridColumn aem-GridColumn--default--8"> <div class="cmp-text__paragraph" data-opensnewwindow="Opens a new window" data-servertypes="htm|html|shtml|xhtml|asp|aspx|ashx|jsp|jsf|do|cfm|gsp|oft|bs|php|net" data-mediafileextensions="avi|csv|doc|docx|gif|jpeg|jpg|mov|mp3|mp4|pdf|png|ppt|pptx|psd|tif|tiff|txt|xls|xlsx|zip"> <p>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.</p> <p>Next, take some time to <a href="/understanding-health-insurance/understanding-health-insurance-costs">understand how the costs work</a>. 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.</p> </div> <script> window.UHCFoundation.initComponent('TextRTE'); </script></div> <div class="component video aem-GridColumn aem-GridColumn--default--8"> <script type="application/ld+json"> { "@context" : "https://schema.org", "@type" : "VideoObject", "name" : "How health insurance plans work", "description" : "Learn how health plans work in this short video", "thumbnailUrl" : [ "https://www.uhc.com/content/dam/uhcdotcom/en/Videos/brightcove-video-thumbnails/6281121195001-thumbnail.png/_jcr_content/renditions/cq5dam.web.1280.1280.png" ], "uploadDate" : "2021-11-08" } </script>  <div property="subjectOf" typeof="VideoObject" aria-label="Video player" role="region"> <h3 id="title-6281121195001" class="video__title mt-2 mb-2" property="name">How health insurance plans work</h3> <div class="video__poster__wrapper position-relative cursor-pointer" data-videoType="brightcove" data-video-id="6281121195001" data-brightcoveAccountId="2418587620001" data-brightcoveVideoPlayerId="ryKApUXPM"> <img class="video__poster overflow-hidden width-100 display-block" src="/content/dam/uhcdotcom/en/Videos/brightcove-video-thumbnails/6281121195001-thumbnail.png/_jcr_content/renditions/cq5dam.web.1280.1280.png" property="thumbnail" alt=""/> <button class="video__play-icon border-none position-absolute cursor-pointer" aria-label="Play"></button> </div> <div data-playertype="brightcove" class="video__player__wrapper position-relative overflow-hidden width-100 sixteen-nine" aria-hidden="true"> <video-js data-video-id="6281121195001" videoid="6281121195001" data-account="2418587620001" data-player="ryKApUXPM" data-video-caption-size="100" data-autoplay="true" data-embed="default" data-analytics-video-name="How health insurance plans work" class="video__player position-absolute width-100 height-100 vjs-fluid" controls></video-js> </div> <div class="video__transcript position-relative mt-2"> <button aria-expanded="false" aria-controls="panel-6281121195001" data-opentranscript="Video transcript" data-closetranscript="Video transcript" class="video__transcript__button aria-toggle h4 width-100 p-4 pl-0 position-relative talign-right bg-transparent border-none cursor-pointer js-toggle"> <span class="open__transcript grp_bold">Video transcript</span> <span class="close__transcript grp_bold">Video transcript</span> </button> <div class="video__transcript__panel bg-white overflow-auto border-hairline pb-3 mb-4" id="panel-6281121195001" tabindex="0" property="transcript" aria-hidden="true"> <h4 class="bg-greyLight">Video transcript</h4> <div class="grp_padding"> <p>Health plans are designed to help take good care of you — and knowing how they work can help you get the most out of your benefits.</p> <p>ON-SCREEN TEXT: [How a health plan works]</p> <p>So, here’s how a health plan works.</p> <p>ON-SCREEN TEXT: [Premium]</p> <p>Each health plan has a premium, a routine payment. Paying your premium helps keep your plan active, so you can stay covered.</p> <p>ON-SCREEN TEXT: [Plan year starts You pay 100% Deductible]</p> <p>At the start of your plan year, you pay 100% of your covered health services until you meet your deductible.</p> <p>ON-SCREEN TEXT: [Deductible]</p> <p>Once your deductible is reached, your health plan starts sharing a percentage of the costs with you.</p> <p>ON-SCREEN TEXT: [Coinsurance You pay 20% Health plan pays 80% *Coinsurance may vary by service. This example is for illustrative purposes only. Review your coverage details at uhc.com.]</p> <p>This is what’s known as coinsurance. For example, you may pay 20% of a covered medical expense and your health plan will pay the remaining 80%.</p> <p>ON-SCREEN TEXT: [Copay]</p> <p>Along the way, you may pay a fixed amount — also known as a copay — for certain covered health services, like a doctor’s appointment.</p> <p>ON-SCREEN TEXT: [Out-of-pocket limit]</p> <p>Your health plan offers you further protection with an out-of-pocket limit, which is the most you could pay for covered services in a plan year.</p> <p>ON-SCREEN TEXT: [Coinsurance and copay]</p> <p>Coinsurance and copays count toward your out-of-pocket limit — but premiums don't.</p> <p>ON-SCREEN TEXT: [Health plan pays 100%]</p> <p>After you reach your out-of-pocket limit, your plan pays 100% of the cost.</p> <p>ON-SCREEN TEXT: [all that care can do for you]</p> <p>Now that you know how health plans work, it’s time to dig into your benefits and start experiencing all that care can do for you.</p> </div> </div> </div> </div> </div> <div class="collapsible-content component aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--0"> <div class="collapsible-content__container" data-allow-multiple data-collapsible-component="collapsibleComponent"> <h3 class="collapsible-content__title bg-white mb-1" data-collapsible-component-heading="collapsibleComponentHeading"> <button aria-expanded="false" aria-controls="panel-1344727692" id="anchor-1344727692" class="collapsible-content__button width-100 p-4 pr-7 talign-left bg-greyLight border-none cursor-pointer" data-collapsible-component-cta="collapsibleComponentCta"> <span class="collapsible-content__text"> <span class=" h4 color-blueDark">Premium</span> </span> <span class="arrow "></span> </button> </h3> <div id="panel-1344727692" class="collapsible-content__panel px-4" role="region" aria-labelledby="anchor-1344727692" data-collapsible-component-contentdiv="collapsibleComponentContentDiv" hidden> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="component text aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-text__paragraph" data-opensnewwindow="Opens a new window" data-servertypes="htm|html|shtml|xhtml|asp|aspx|ashx|jsp|jsf|do|cfm|gsp|oft|bs|php|net" data-mediafileextensions="avi|csv|doc|docx|gif|jpeg|jpg|mov|mp3|mp4|pdf|png|ppt|pptx|psd|tif|tiff|txt|xls|xlsx|zip"> <p>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. </p> <ul> <li>Higher premium plans often have lower deductible costs<br /> </li> <li>Lower premium plans often have higher deductible costs<br /> </li> </ul> </div> <script> window.UHCFoundation.initComponent('TextRTE'); </script></div> </div> </div> <h3 class="collapsible-content__title bg-white mb-1" data-collapsible-component-heading="collapsibleComponentHeading"> <button aria-expanded="false" aria-controls="panel-163630463" id="anchor-163630463" class="collapsible-content__button width-100 p-4 pr-7 talign-left bg-greyLight border-none cursor-pointer" data-collapsible-component-cta="collapsibleComponentCta"> <span class="collapsible-content__text"> <span class=" h4 color-blueDark">Deductible</span> </span> <span class="arrow "></span> </button> </h3> <div id="panel-163630463" class="collapsible-content__panel px-4" role="region" aria-labelledby="anchor-163630463" data-collapsible-component-contentdiv="collapsibleComponentContentDiv" hidden> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="component text aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-text__paragraph" data-opensnewwindow="Opens a new window" data-servertypes="htm|html|shtml|xhtml|asp|aspx|ashx|jsp|jsf|do|cfm|gsp|oft|bs|php|net" data-mediafileextensions="avi|csv|doc|docx|gif|jpeg|jpg|mov|mp3|mp4|pdf|png|ppt|pptx|psd|tif|tiff|txt|xls|xlsx|zip"> <p>Your <a href="/understanding-health-insurance/understanding-health-insurance-costs/types-of-health-insurance-costs/what-is-a-deductible">deductible</a> 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.</p> </div> <script> window.UHCFoundation.initComponent('TextRTE'); </script></div> </div> </div> <h3 class="collapsible-content__title bg-white mb-1" data-collapsible-component-heading="collapsibleComponentHeading"> <button aria-expanded="false" aria-controls="panel-1671330166" id="anchor-1671330166" class="collapsible-content__button width-100 p-4 pr-7 talign-left bg-greyLight border-none cursor-pointer" data-collapsible-component-cta="collapsibleComponentCta"> <span class="collapsible-content__text"> <span class=" h4 color-blueDark">Out-of-pocket maximum </span> </span> <span class="arrow "></span> </button> </h3> <div id="panel-1671330166" class="collapsible-content__panel px-4" role="region" aria-labelledby="anchor-1671330166" data-collapsible-component-contentdiv="collapsibleComponentContentDiv" hidden> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="component text aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-text__paragraph" data-opensnewwindow="Opens a new window" data-servertypes="htm|html|shtml|xhtml|asp|aspx|ashx|jsp|jsf|do|cfm|gsp|oft|bs|php|net" data-mediafileextensions="avi|csv|doc|docx|gif|jpeg|jpg|mov|mp3|mp4|pdf|png|ppt|pptx|psd|tif|tiff|txt|xls|xlsx|zip"> <p>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.</p> </div> <script> window.UHCFoundation.initComponent('TextRTE'); </script></div> </div> </div> <h3 class="collapsible-content__title bg-white mb-1" data-collapsible-component-heading="collapsibleComponentHeading"> <button aria-expanded="false" aria-controls="panel-1095860203" id="anchor-1095860203" class="collapsible-content__button width-100 p-4 pr-7 talign-left bg-greyLight border-none cursor-pointer" data-collapsible-component-cta="collapsibleComponentCta"> <span class="collapsible-content__text"> <span class=" h4 color-blueDark">Copays and Coinsurance</span> </span> <span class="arrow "></span> </button> </h3> <div id="panel-1095860203" class="collapsible-content__panel px-4" role="region" aria-labelledby="anchor-1095860203" data-collapsible-component-contentdiv="collapsibleComponentContentDiv" hidden> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="component text aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-text__paragraph" data-opensnewwindow="Opens a new window" data-servertypes="htm|html|shtml|xhtml|asp|aspx|ashx|jsp|jsf|do|cfm|gsp|oft|bs|php|net" data-mediafileextensions="avi|csv|doc|docx|gif|jpeg|jpg|mov|mp3|mp4|pdf|png|ppt|pptx|psd|tif|tiff|txt|xls|xlsx|zip"> <p>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:</p> </div> <script> window.UHCFoundation.initComponent('TextRTE'); </script></div> <div class="component table table--compress-width aem-GridColumn aem-GridColumn--default--12"><div class="verticalLine" style="height:0px;"></div> <div class="cmp-table" data-opensnewwindow="Opens a new window" data-servertypes="htm|html|shtml|xhtml|asp|aspx|ashx|jsp|jsf|do|cfm|gsp|oft|bs|php|net" data-mediafileextensions="pdf"><table cellpadding="1" cellspacing="0" border="1" width="100%"> <caption class="sr-only">Copays and Coinsurance</caption> <tbody><tr><th scope="col"> </th> <th scope="col" style="background-color: rgb(229,248,251);">Copay</th> <th scope="col" style="background-color: rgb(229,248,251);">Coinsurance</th> </tr><tr><th scope="row">What is the amount paid?</th> <td>Flat dollar amount</td> <td>Percentage of the cost, if you've met your deductible</td> </tr><tr style="background-color: rgb(244,244,244);"><th scope="row">When is it paid?</th> <td>Typically paid at the time of service</td> <td>Billed by the provider after the plan processes your claim. You pay the provider directly.</td> </tr><tr><th scope="row">Does it count toward your deductible?</th> <td>No, not in most plans</td> <td>No, not in most plans</td> </tr><tr style="background-color: rgb(244,244,244);"><th scope="row">Does it count toward your out-of-pocket max?</th> <td>Yes</td> <td>Yes</td> </tr></tbody></table> </div> <script> window.UHCFoundation.initComponent('Table'); </script></div> </div> </div> </div> <script> window.UHCFoundation.initComponent('Collapsible Content'); </script></div> </div> </div> <div class="container responsivegrid component aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 " data-container-component="containerComponent"> <div class="component heading padding--height--1 talign-center aem-GridColumn aem-GridColumn--default--12"><h2 data-heading-component="Learn more about health insurance and how to choose your plan">Learn more about health insurance and how to choose your plan</h2> </div> <div class="component text aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-text__paragraph" data-opensnewwindow="Opens a new window" data-servertypes="htm|html|shtml|xhtml|asp|aspx|ashx|jsp|jsf|do|cfm|gsp|oft|bs|php|net" data-mediafileextensions="avi|csv|doc|docx|gif|jpeg|jpg|mov|mp3|mp4|pdf|png|ppt|pptx|psd|tif|tiff|txt|xls|xlsx|zip"> <p style="text-align: center;">Shopping for health insurance can feel complicated. Explore these topics to get more tips on how to choose a plan.</p> </div> <script> window.UHCFoundation.initComponent('TextRTE'); </script></div> <div class="grid-component component grid-component--equal-heights aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 " data-grid-component="GridComponent"> <div class="grid-component__container display-grid gridColumns-3 grid-rendered-sizes-" data-grid-component-row="GridComponentRow"> <div class="grid-component__column sm-mb-3 mb-4 grid-col-1" data-grid-component-column="GridComponentColumn"> <div class="container responsivegrid --p-6 component --m-0-last-child --bgcolor-blueLight --align-bottom content-w-background--border-radius aem-GridColumn--default--none aem-GridColumn aem-GridColumn--offset--default--0 aem-GridColumn--default--4"> <div class="aem-Grid aem-Grid--4 aem-Grid--default--4 " data-container-component="containerComponent"> <div class="component heading aem-GridColumn aem-GridColumn--default--4"><h3 data-heading-component="Get ready for open enrollment">Get ready for open enrollment</h3> </div> <div class="component text aem-GridColumn aem-GridColumn--default--4"> <div class="cmp-text__paragraph" data-opensnewwindow="Opens a new window" data-servertypes="htm|html|shtml|xhtml|asp|aspx|ashx|jsp|jsf|do|cfm|gsp|oft|bs|php|net" data-mediafileextensions="avi|csv|doc|docx|gif|jpeg|jpg|mov|mp3|mp4|pdf|png|ppt|pptx|psd|tif|tiff|txt|xls|xlsx|zip"> <p>Open enrollment is the time of year when you choose a plan and enroll. </p> </div> <script> window.UHCFoundation.initComponent('TextRTE'); </script></div> <div class="component cta cta--link cta--left aem-GridColumn aem-GridColumn--default--4"> <a href="/understanding-health-insurance/open-enrollment" data-cta-component="ctaComponent" target="_self">See open enrollment dates and more</a> </div> </div> </div> </div> <div class="grid-component__column sm-mb-3 mb-4 grid-col-2" data-grid-component-column="GridComponentColumn"> <div class="container responsivegrid --p-6 component --m-0-last-child --bgcolor-blueLight --align-bottom content-w-background--border-radius aem-GridColumn--default--none aem-GridColumn aem-GridColumn--offset--default--0 aem-GridColumn--default--4"> <div class="aem-Grid aem-Grid--4 aem-Grid--default--4 " data-container-component="containerComponent"> <div class="component heading aem-GridColumn aem-GridColumn--default--4"><h3 data-heading-component="Explore coverage options">Explore coverage options</h3> </div> <div class="component text aem-GridColumn aem-GridColumn--default--4"> <div class="cmp-text__paragraph" data-opensnewwindow="Opens a new window" data-servertypes="htm|html|shtml|xhtml|asp|aspx|ashx|jsp|jsf|do|cfm|gsp|oft|bs|php|net" data-mediafileextensions="avi|csv|doc|docx|gif|jpeg|jpg|mov|mp3|mp4|pdf|png|ppt|pptx|psd|tif|tiff|txt|xls|xlsx|zip"> <p>Find out more about types of health insurance before you choose your plan.</p> </div> <script> window.UHCFoundation.initComponent('TextRTE'); </script></div> <div class="component cta cta--link cta--left aem-GridColumn aem-GridColumn--default--4"> <a href="/understanding-health-insurance/types-of-health-insurance" data-cta-component="ctaComponent" target="_self">View health plan types</a> </div> </div> </div> </div> <div class="grid-component__column sm-mb-3 mb-4 grid-col-3" data-grid-component-column="GridComponentColumn"> <div class="container responsivegrid --p-6 component --m-0-last-child --bgcolor-blueLight --align-bottom content-w-background--border-radius aem-GridColumn--default--none aem-GridColumn aem-GridColumn--offset--default--0 aem-GridColumn--default--4"> <div class="aem-Grid aem-Grid--4 aem-Grid--default--4 " data-container-component="containerComponent"> <div class="component heading aem-GridColumn aem-GridColumn--default--4"><h3 data-heading-component="Learn about Medicare parts A, B, C and D">Learn about Medicare parts A, B, C and D</h3> </div> <div class="component text aem-GridColumn aem-GridColumn--default--4"> <div class="cmp-text__paragraph" data-opensnewwindow="Opens a new window" data-servertypes="htm|html|shtml|xhtml|asp|aspx|ashx|jsp|jsf|do|cfm|gsp|oft|bs|php|net" data-mediafileextensions="avi|csv|doc|docx|gif|jpeg|jpg|mov|mp3|mp4|pdf|png|ppt|pptx|psd|tif|tiff|txt|xls|xlsx|zip"> <p>Get the details on Medicare coverage options.</p> </div> <script> window.UHCFoundation.initComponent('TextRTE'); 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