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See why more people count on UnitedHealthcare for their Medicare Advantage plans.</p> </div> <script> window.UHCFoundation.initComponent('TextRTE'); </script></div> <div class="component cta cta--link cta--left spacing--mb--8px aem-GridColumn--tablet--4 aem-GridColumn aem-GridColumn--phone--4 aem-GridColumn--default--4"> <a href="https://www.uhc.com/medicare" data-cta-component="ctaComponent" target="_self" aria-label="Find a Medicare plan">Find a Medicare plan</a> </div> </div> </div> </div> </div> <div class="container responsivegrid component aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--6 aem-GridColumn--offset--default--0"> <div class="aem-Grid aem-Grid--0 aem-Grid--tablet--6 aem-Grid--default--6 aem-Grid--phone--6 " data-container-component="containerComponent"> <figure vocab="https://schema.org/" class="component image aem-GridColumn--offset--tablet--0 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--tablet--2 aem-GridColumn--phone--2 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--2" typeof="ImageObject"> <picture data-image-component="imageComponent"> <source media="(min-width: 769px)" data-img-path="/content/dam/uhcdotcom/foundation/illustration/individual-and-family-illustration-380x260.gif" srcset="/_jcr_content/root/regioncontainer-main/responsivegrid/container_copy_19300/container_1856496387_1611201465/image_copy_copy.coreimg.90.1280.gif/1730207461377/individual-and-family-illustration-380x260.gif"/> <source media="(max-width: 768px)" srcset="/_jcr_content/root/regioncontainer-main/responsivegrid/container_copy_19300/container_1856496387_1611201465/image_copy_copy.coreimg.90.1024.gif/1730207461377/individual-and-family-illustration-380x260.gif"/> <img alt="" class="image__image lazyload --width-100" data-src="/_jcr_content/root/regioncontainer-main/responsivegrid/container_copy_19300/container_1856496387_1611201465/image_copy_copy.coreimg.90.1280.gif/1730207461377/individual-and-family-illustration-380x260.gif" property="contentUrl" src="/_jcr_content/root/regioncontainer-main/responsivegrid/container_copy_19300/container_1856496387_1611201465/image_copy_copy.coreimg.90.1280.gif/1730207461377/individual-and-family-illustration-380x260.gif"/> </picture> </figure> <div class="container responsivegrid --m-0-last-child aem-GridColumn--offset--tablet--0 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--tablet--4 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--phone--4 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--4"> <div class="aem-Grid aem-Grid--4 aem-Grid--tablet--4 aem-Grid--default--4 aem-Grid--phone--4 " data-container-component="containerComponent"> <div class="component heading aem-GridColumn--tablet--4 aem-GridColumn aem-GridColumn--phone--4 aem-GridColumn--default--4"><h2 data-heading-component="Find Individual & Family ACA Marketplace plans">Find Individual & Family ACA Marketplace plans</h2> </div> <div class="component text aem-GridColumn--tablet--4 aem-GridColumn aem-GridColumn--phone--4 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 Period (OEP) runs from November 1 to January 15, in most states. Explore ACA Marketplace 2025 plan options for you and your family.</p> </div> <script> window.UHCFoundation.initComponent('TextRTE'); </script></div> <div class="component cta cta--link cta--left spacing--mb--8px aem-GridColumn--tablet--4 aem-GridColumn aem-GridColumn--phone--4 aem-GridColumn--default--4"> <a href="/individuals-families/aca-marketplace" data-cta-component="ctaComponent" target="_self" aria-label="Find a Medicare plan">Find an ACA Marketplace plan</a> </div> </div> </div> </div> </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" data-id="area-shopping" id="area-shopping"> <div class="component heading padding--height--1 padding--bottom--1 talign-center aem-GridColumn aem-GridColumn--default--12"><h2 data-heading-component="All types of plans for all types of people">All types of plans for all types of people</h2> </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-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 --m-0-last-child --border-greyLight content-w-background--border-radius aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 " data-container-component="containerComponent"> <div class="component cta cta--link cta--left spacing--mb--8px aem-GridColumn aem-GridColumn--default--12"> <h3> <a href="/individuals-families" data-cta-component="ctaComponent" target="_self">Health insurance plans</a> </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>Explore a range of individual and family plan options, including ACA Marketplace 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-2" data-grid-component-column="GridComponentColumn"> <div class="container responsivegrid --p-6 --m-0-last-child --border-greyLight content-w-background--border-radius aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 " data-container-component="containerComponent"> <div class="component cta cta--link cta--left spacing--mb--8px aem-GridColumn aem-GridColumn--default--12"> <h3> <a href="https://www.uhc.com/medicare" data-cta-component="ctaComponent" target="_self">Medicare plans</a> </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>Find coverage that goes beyond Original Medicare, including Medicare Advantage 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 --m-0-last-child --border-greyLight content-w-background--border-radius aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 " data-container-component="containerComponent"> <div class="component cta cta--link cta--left spacing--mb--8px aem-GridColumn aem-GridColumn--default--12"> <h3> <a href="https://www.uhc.com/communityplan" data-cta-component="ctaComponent" target="_self">Medicaid plans</a> </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>See Medicaid plan options if you have low income or qualify due to a special circumstance.</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 --m-0-last-child --border-greyLight content-w-background--border-radius aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 " data-container-component="containerComponent"> <div class="component cta cta--link cta--left spacing--mb--8px aem-GridColumn aem-GridColumn--default--12"> <h3> <a href="/dental-vision-supplemental-plans" data-cta-component="ctaComponent" target="_self">Dental, vision and supplemental plans</a> </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 that can help you get coverage for medical costs not covered by your medical plan.</p> </div> <script> window.UHCFoundation.initComponent('TextRTE'); </script></div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid --py-6 component --m-0-last-child --bgcolor-blueLight full-width aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--tablet--12 aem-Grid--default--12 " data-container-component="containerComponent" data-id="member-area" id="member-area"> <div class="component heading padding--height--1 talign-center aem-GridColumn--tablet--12 aem-GridColumn aem-GridColumn--default--12"><h2 data-heading-component="Already a member?">Already a member?</h2> </div> <div class="component text aem-GridColumn--tablet--12 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;"><a href="/sign-in">Sign in to your account</a> to view your plan benefits.</p> </div> <script> window.UHCFoundation.initComponent('TextRTE'); </script></div> <div class="container responsivegrid aem-GridColumn--tablet--10 aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--1 aem-GridColumn--offset--tablet--1"> <div class="aem-Grid aem-Grid--10 aem-Grid--tablet--10 aem-Grid--default--10 " data-container-component="containerComponent"> <div class="component foundation-icon-block aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--5 aem-GridColumn--offset--default--0 aem-GridColumn--tablet--hide"><div class="icon-block-main icon-no-border "> <div class="icon-cmp icon-block-left-side-sec c-tempo-icon"> <div class="component icon c-tempo-icon two-tone c-tempo-icon--lg c-tempo-icon-left"> <div class="two_tone c-tempo-icon--lg c-tempo-icon-left" id="icon-145285822"> <?xml version="1.0" encoding="utf-8"?>  <svg version="1.1" id="Layer_1" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px" viewBox="0 0 30 30" style="enable-background:new 0 0 30 30;" xml:space="preserve"> <style type="text/css"> .st0{fill:#002677;} .st1{fill:#FFFFFF;} </style> <path class="st0" d="M23.38,29.99H6.63C2.97,29.99,0,27.02,0,23.36V6.61c0-3.66,2.97-6.63,6.63-6.63h16.75 c3.66,0,6.63,2.97,6.63,6.63v16.75C30,27.02,27.04,29.99,23.38,29.99z"/> <path class="st1" d="M12.49,23.89L12.49,23.89c0.62,0.21,1.28,0.33,1.98,0.33c2.98,0,5.06-2.16,5.06-6.27V5.72l1.13-0.54v12.99 c0,4.19-2.16,6.63-5.22,6.63C14.37,24.79,13.38,24.47,12.49,23.89z M11.2,22.65L11.2,22.65c0.69,0.23,1.37,0.38,1.98,0.38 c2.5,0,4.17-1.57,4.17-5.12V6.65l1.11-0.52V18c0,3.71-1.88,5.61-4.5,5.61C13,23.62,12.02,23.26,11.2,22.65z M10.41,21.54 L10.41,21.54c0.61,0.18,1.16,0.29,1.65,0.29c1.95,0,3.14-1.06,3.14-3.86V7.6l1.1-0.52v10.73c0,3.14-1.44,4.57-3.5,4.57 C11.94,22.37,11.12,22.08,10.41,21.54z M14.18,18.27V8.02L9.35,10.2v8.31c0,1.59,1,2.65,2.47,2.65 C13.28,21.16,14.18,20.08,14.18,18.27z"/> </svg> </div> </div> </div> <div class="icon-block-right-side-sec"> <div class="aem-Grid aem-Grid--5 aem-Grid--default--5 aem-Grid--phone--5 "> <div class="component heading aem-GridColumn aem-GridColumn--default--5"><h3 data-heading-component="Try the UnitedHealthcare app">Try the UnitedHealthcare app</h3> </div> <div class="component text aem-GridColumn aem-GridColumn--default--5"> <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>Members can get instant access to manage health plan details, request member ID cards, find care and more.</p> </div> <script> window.UHCFoundation.initComponent('TextRTE'); </script></div> <div class="component cta button-style__outline-blue cta--remove-icon cta--left aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--phone--hide aem-GridColumn--phone--12 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--default--5 aem-GridColumn--offset--phone--0"> <a href="/member-resources/health-care-tools/unitedhealthcare-app" data-cta-component="ctaComponent" target="_self" id="desktop-app-cta">Download the app</a> </div> <div class="component cta button-style__outline-blue cta--remove-icon cta--left cta--full-length-mobile-grp aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--default--hide aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--default--5 aem-GridColumn--offset--default--0"> <a href="https://unitedhealthcare.app.link/viXCFRARhFb" rel="noopener" data-cta-component="ctaComponent" target="_blank" aria-label="Download the app Opens a new window" id="mobile-branch-app-cta">Download the app</a> </div> </div> </div> </div></div> <div class="component foundation-icon-block aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--5 aem-GridColumn--offset--default--0"><div class="icon-block-main icon-no-border "> <div class="icon-cmp icon-block-left-side-sec c-tempo-icon"> <div class="component icon c-tempo-icon two-tone-circle c-tempo-icon--lg c-tempo-icon-left"> <div class="two-tone-circle c-tempo-icon-left c-tempo-icon--lg" id="icon-1968322020"> <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 48 48"><circle class="at-0 otc-2 ttc-2 ttcw-1" fill="#FFF" cx="24" cy="24.16" r="24"/><path class="at-3 ot-2 otc-1" fill="#00BED5" d="M13.99 23.16c4.44 0 8.26 2.65 10 6.44 1.74-3.8 5.56-6.44 10-6.44h.38c.43-2.74-.38-5.57-2.52-7.74l-4.15 3.29c-1.93 1.53-3.17 3.48-3.71 5.53-.54-2.05-1.78-4-3.71-5.53l-4.15-3.29c-2.14 2.17-2.95 5-2.52 7.74h.38z"/><path class="ot-2 otc-1 ttc-1" fill="#002677" d="M24 21.56c.74-1.36 1.78-2.59 3.07-3.61-.65-1.74-1.67-3.38-3.07-4.78-1.4 1.4-2.42 3.04-3.07 4.78 1.29 1.02 2.33 2.25 3.07 3.61zm-10 2.6H7.2c0 5.52 4.48 10 10 10H24c0-5.52-4.48-10-10-10zm20 0c-5.52 0-10 4.48-10 10h6.8c5.52 0 10-4.48 10-10H34z"/></svg> </div> </div> </div> <div class="icon-block-right-side-sec"> <div class="aem-Grid aem-Grid--5 aem-Grid--default--5 "> <div class="component heading aem-GridColumn aem-GridColumn--default--5"><h3 data-heading-component="Discover wellness and rewards programs">Discover wellness and rewards programs</h3> </div> <div class="component text aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--5 aem-GridColumn--offset--default--0"> <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>Invest in your health and find motivation and support. Plus, you may earn rewards for meeting health goals.</p> </div> <script> window.UHCFoundation.initComponent('TextRTE'); </script></div> <div class="component cta button-style__outline-blue cta--remove-icon cta--left cta--full-length-mobile-grp aem-GridColumn aem-GridColumn--default--5"> <a href="/member-resources/health-care-programs" data-cta-component="ctaComponent" target="_self">Explore wellness and rewards programs</a> </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 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 "> <div class="container responsivegrid component aem-GridColumn aem-GridColumn--default--8"> <div class="aem-Grid aem-Grid--8 aem-Grid--default--8 " data-container-component="containerComponent" data-id="area-faq" id="area-faq"> <div class="component heading padding--bottom--1 talign-center aem-GridColumn aem-GridColumn--default--8"><h2 data-heading-component="Frequently asked questions">Frequently asked questions</h2> </div> <div class="collapsible-content component aem-GridColumn aem-GridColumn--default--8"> <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-845279357" id="anchor-845279357" 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">What is health insurance?</span> </span> <span class="arrow "></span> </button> </h3> <div id="panel-845279357" class="collapsible-content__panel px-4" role="region" aria-labelledby="anchor-845279357" 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>Health insurance is a plan, or policy, that covers a percentage of doctors’ visits and hospital bills. It helps offset the costs of both planned and unplanned medical needs. Medical care can be expensive, but health insurance may help lessen the financial burden.</p> <p>And health insurance isn’t just for when you’re sick or injured. It can also help you stay healthy through preventive care and wellness programs. This may help you save money, too, by catching potential health concerns before they become larger issues.</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-663279487" id="anchor-663279487" 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">How does health insurance work?</span> </span> <span class="arrow "></span> </button> </h3> <div id="panel-663279487" class="collapsible-content__panel px-4" role="region" aria-labelledby="anchor-663279487" 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>Health insurance is a contract between you and an insurance company (the insurer). When you purchase a plan, you become a member of that plan. Each month, you’ll likely pay a fee, called a premium, to use the plan.</p> <p>There are many different types of health plans, but they generally work the same way. You pay for some medical costs and your insurer pays for some costs. How those costs break out depend on your specific plan benefits and coverage.</p> </div> <script> window.UHCFoundation.initComponent('TextRTE'); </script></div> <div class="component cta cta--link cta--left aem-GridColumn aem-GridColumn--default--12"> <a href="/understanding-health-insurance/how-does-health-insurance-work" data-cta-component="ctaComponent" target="_self">Learn more about how health insurance works</a> </div> </div> </div> <h3 class="collapsible-content__title bg-white mb-1" data-collapsible-component-heading="collapsibleComponentHeading"> <button aria-expanded="false" aria-controls="panel-2123267349" id="anchor-2123267349" 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">How do I get health insurance?</span> </span> <span class="arrow "></span> </button> </h3> <div id="panel-2123267349" class="collapsible-content__panel px-4" role="region" aria-labelledby="anchor-2123267349" 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>Finding the right health insurance plan depends on a variety of factors. These include things like your age, health and financial situation. For example, if you’re over 65 or have a qualifying disability or special situation, you may be eligible for <a href="https://www.uhc.com/medicare">Medicare</a>. If you have a lower income, you may qualify for <a href="https://www.uhc.com/communityplan">Medicaid</a>. If you want to purchase an individual plan, an <a href="/individuals-families/aca-marketplace">Affordable Care Act (ACA)</a> plan could be an option. Or, you may have the option to get <a href="/individuals-families/health-plans-through-work">health insurance through your employer</a>.</p> <p>Most health insurance plans have a special period of time, usually once a year, when you can enroll. This is called open enrollment. It’s when you can start, stop or change your health plan. Timing of open enrollment varies based on the plan.<br /> </p> </div> <script> window.UHCFoundation.initComponent('TextRTE'); </script></div> <div class="component cta cta--link cta--left aem-GridColumn aem-GridColumn--default--12"> <a href="/understanding-health-insurance/open-enrollment" data-cta-component="ctaComponent" target="_self">Learn more about open enrollment</a> </div> </div> </div> <h3 class="collapsible-content__title bg-white mb-1" data-collapsible-component-heading="collapsibleComponentHeading"> <button aria-expanded="false" aria-controls="panel-978987479" id="anchor-978987479" 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">What are the different types of health insurance?</span> </span> <span class="arrow "></span> </button> </h3> <div id="panel-978987479" class="collapsible-content__panel px-4" role="region" aria-labelledby="anchor-978987479" 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>There are a variety of health insurance plans that fit different needs. Some plans are offered through the government, like <a href="/individuals-families/aca-marketplace">Affordable Care Act (ACA)</a> plans, <a href="https://www.uhc.com/medicare">Medicare</a> plans and <a href="https://www.uhc.com/communityplan">Medicaid</a> plans. There are also health plans you can get through your employer. Or, you can purchase a plan on your own, like <a href="/individuals-families/short-term-health-insurance">short term health insurance</a> that offers coverage for a limited amount of time. Understanding the different health insurance options can help you find the plan that may work best for you.</p> <p>You may also see terms like HMO, PPO, EPO and POS — these refer to the four basic kinds of provider networks that certain health plans may offer. A network may include doctors, hospitals and other providers that agree to provide services to plan members at a negotiated rate. This may help lower your out-of-pocket costs.</p> </div> <script> window.UHCFoundation.initComponent('TextRTE'); </script></div> <div class="component cta cta--link cta--left aem-GridColumn aem-GridColumn--default--12"> <a href="/understanding-health-insurance/types-of-health-insurance" data-cta-component="ctaComponent" target="_self">Learn more about the different types of health insurance</a> </div> </div> </div> <h3 class="collapsible-content__title bg-white mb-1" data-collapsible-component-heading="collapsibleComponentHeading"> <button aria-expanded="false" aria-controls="panel-1808243562" id="anchor-1808243562" 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">How much does health insurance cost?</span> </span> <span class="arrow "></span> </button> </h3> <div id="panel-1808243562" class="collapsible-content__panel px-4" role="region" aria-labelledby="anchor-1808243562" 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>It depends. A variety of factors impact how much you pay. These can include your age, your location and lifestyle habits. It also depends on the type of plan you choose. With some plans, you may pay less up front, but more when you receive care. For other plans, the opposite can be true.</p> </div> <script> window.UHCFoundation.initComponent('TextRTE'); </script></div> <div class="component cta cta--link cta--left aem-GridColumn aem-GridColumn--default--12"> <a href="/understanding-health-insurance/understanding-health-insurance-costs" data-cta-component="ctaComponent" target="_self">Learn more about health insurance costs</a> </div> </div> </div> <h3 class="collapsible-content__title bg-white mb-1" data-collapsible-component-heading="collapsibleComponentHeading"> <button aria-expanded="false" aria-controls="panel-299826853" id="anchor-299826853" 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">What does health insurance cover?</span> </span> <span class="arrow "></span> </button> </h3> <div id="panel-299826853" class="collapsible-content__panel px-4" role="region" aria-labelledby="anchor-299826853" 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>Coverage is unique to each health plan. Many plans may cover things like preventive care, prescription drugs, hospital stays, mental health services and more. A plan may cover the full cost of certain services, or you may have to share costs (by paying a copay or coinsurance, for example) until you meet a deductible or out-of-pocket limit.</p> <p>Make sure to review benefits and coverage before choosing a plan. You can find this information in the plan’s Summary of Benefits and Coverage. This is a document that all health plan companies are required to provide. It outlines what’s covered, partially covered or not covered under a health plan.</p> </div> <script> window.UHCFoundation.initComponent('TextRTE'); </script></div> <div class="component cta cta--link cta--left aem-GridColumn aem-GridColumn--default--12"> <a href="/understanding-health-insurance/how-does-health-insurance-work/summary-of-benefits-and-coverage" data-cta-component="ctaComponent" target="_self">Learn how to review a Summary of Benefits and Coverage</a> </div> </div> </div> </div> <script> window.UHCFoundation.initComponent('Collapsible Content'); </script></div> <div class="component cta cta--link aem-GridColumn aem-GridColumn--default--8"> <a href="/understanding-health-insurance" data-cta-component="ctaComponent" target="_self">Learn more about health insurance</a> </div> </div> </div> </div> </div> <div class="container responsivegrid --py-6 component off-white-bg full-width aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--tablet--12 aem-Grid--default--12 aem-Grid--phone--12 " data-container-component="containerComponent" data-id="area-video" id="area-video"> <div class="container responsivegrid --align-vertically-centered aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0 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="container responsivegrid --py-4 --m-0-last-child aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--default--6 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div class="aem-Grid aem-Grid--6 aem-Grid--tablet--12 aem-Grid--default--6 aem-Grid--phone--12 " data-container-component="containerComponent"> <div class="component heading aem-GridColumn--tablet--12 aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--6"><h2 data-heading-component="Here for you in ways big and small">Here for you in ways big and small</h2> </div> <div class="component text aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--default--6 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <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>UnitedHealthcare is dedicated to being there for what matters. See what you can expect when you choose us as your health care partner.</p> </div> <script> window.UHCFoundation.initComponent('TextRTE'); </script></div> </div> </div> <div class="container responsivegrid aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--default--6 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div class="aem-Grid aem-Grid--6 aem-Grid--tablet--12 aem-Grid--default--6 aem-Grid--phone--12 " data-container-component="containerComponent"> <div class="component video aem-GridColumn--tablet--12 aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--6 aem-GridColumn--offset--phone--0"> <script type="application/ld+json"> { "@context" : "https://schema.org", "@type" : "VideoObject", "name" : "Being there for what matters", "description" : "UnitedHealthcare is dedicated to being there for what matters. See what you can expect when you choose us as your health care partner.", "thumbnailUrl" : [ "https://www.uhc.com/content/dam/uhcdotcom/en/Videos/brightcove-video-thumbnails/6343545807112-Thumbnail-v3.jpg/_jcr_content/renditions/cq5dam.web.1280.1280.jpeg" ], "uploadDate" : "2023-12-19" } </script>  <div property="subjectOf" typeof="VideoObject" aria-label="Video player" role="region"> <h3 id="title-6343545807112" class="video__title mt-2 mb-2" property="name">Being there for what matters</h3> <div class="video__poster__wrapper position-relative cursor-pointer" data-videoType="brightcove" data-video-id="6343545807112" 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/6343545807112-Thumbnail-v3.jpg/_jcr_content/renditions/cq5dam.web.1280.1280.jpeg" 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="6343545807112" videoid="6343545807112" data-account="2418587620001" data-player="ryKApUXPM" data-video-caption-size="100" data-autoplay="true" data-embed="default" data-analytics-video-name="Being there for what matters" 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-6343545807112" 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-6343545807112" tabindex="0" property="transcript" aria-hidden="true"> <h4 class="bg-greyLight">Video transcript</h4> <div class="grp_padding"> <p><em>[Text On Screen - UnitedHealthcare]</em></p> <p><strong>MALE: </strong>Being there, we know it can make all the difference in the world – to your family,<br /> </p> <p>[VIDEO OPENS WITH A THREE GENERATION FAMILY SITTING TOGETHER ON A PORCH, THE UNITEDHEALTHCARE LOGO RIBBON, GLIDES ACROSS THE SCREEN]<br /> </p> <p>to your happiness,<br /> </p> <p>[THE RIBBON CONTINUES TO THE NEXT SCENE OF A BOY AND A GIRL AT A BUS STOP WEARING MATCHING SHORT FRACTURE WALKER BOOTS.]<br /> </p> <p>to your health.<br /> </p> <p>[SHOT OF A DOCTOR TALKING TO A PATIENT]<br /> </p> <p>That's why at UnitedHealthcare, we're dedicated to being there for what matters to you, every day,<br /> </p> <p>[A MOTHER AND TWO DAUGHTERS ARE DRIVING TO KARATE LESSONS, THE YOUNGEST DAUGHTER RUBS HER EAR, THE SCENE TRANSITIONS TO MOM CALLING UHC FOR A TELEVISIT]<br /> </p> <p>in ways big, and small.<br /> </p> <p>[A MAN JOGS WITH A DOG ON A LEAD]<br /> </p> <p>Helping simplify your healthcare experience.<br /> </p> <p>[A UNITEDHEALTHCARE REPRESENTATIVE TALKS TO A COUPLE]<br /> </p> <p>Working to help make quality care more affordable, and accessible,<br /> </p> <p>[A FATHER AND TWO SONS WALK INTO A DRUG STORE/PHARMACY, FATHER USES THE UHC APP TO VIEW THE TRANSACTION DETAILS]</p> <p>and offering personalized solutions and support,<br /> </p> <p>[A MONTAGE OF DIFFERENT SERVICES BEING OFFERED BY DOCTORS, HEALTHCARE WORKERS AND CUSTOMER SERVICE REPRESENTATIVES]</p> <p>because we believe everyone deserves a healthcare partner who never quits, one you know will be there.<br /> </p> <p>[A CHILD WITH A CAST JUMPS INTO A SWIMMING POOL]<br /> </p> <p>UnitedHealthcare, there for what matters.<br /> </p> 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