Understanding health insurance
What is health insurance?
Health insurance is a good way to help you manage your health care costs. You pay health care companies premiums — a set amount of money each month — and you get benefits to pay for your eligible health care expenses. This can include regular doctor checkups or injuries to treatment for long-term illnesses.
You can purchase individual health insurance through the Health Insurance Marketplace on your own. Even though it’s called individual health insurance, you can also find plans to cover your family. Because health care can be expensive, it’s a smart idea to have health insurance so you’re prepared for when you or your family have medical needs.
Things to know
Why should I have individual health insurance?
- Prepare for the unexpected. You never know when you’ll need medical help.
- Staying healthy. Many preventive care services – like checkups - are covered at 100%.
- It’s the law. Under the Affordable Care Act, you may pay a penalty if you don’t have qualified health care coverage.
Qualifying life events
You can get health insurance outside of the regular enrollment time if you’ve had a life change, including marriage, retirement, changing jobs and more.
How insurance works
Find out more about health insurance, from premiums to deductibles to enrollment periods.
Look up health care words and phrases explained in clear, everyday language.
How to choose an insurance plan
When you’re deciding on what kind of health coverage you need, finding a doctor and comparing prescription drug costs are important first steps.
No individual applying for health coverage through the individual Marketplace will be discouraged from applying for benefits, turned down for coverage or charged more premium because of health status, medical condition, mental illness claims experience, medical history, genetic information or health disability. In addition, no individual will be denied coverage based on race, color, religion, national origin, sex, sexual orientation, marital status, personal appearance, political affiliation or source of income.
References to UnitedHealthcare pertain to each individual company or other UnitedHealthcare affiliated companies.
Each company is a separate entity and is not responsible for another's financial or contractual obligations.
Administrative services are provided by United HealthCare Services, Inc. or their affiliates.
Products and services offered are underwritten by All Savers Insurance Company, Golden Rule Insurance Company, Health Plan of Nevada, Inc., Oxford Health Plans (NJ), Inc., UnitedHealthcare Benefits Plan of California, UnitedHealthcare Community Plan, Inc., UnitedHealthcare Insurance Company, UnitedHealthcare Life Insurance Company, UnitedHealthcare of Colorado, Inc., UnitedHealthcare of Alabama, Inc., UnitedHealthcare of Arkansas, Inc., UnitedHealthcare of Florida, Inc., UnitedHealthcare of Georgia, Inc., UnitedHealthcare of Kentucky, LTD., UnitedHealthcare of Louisiana, Inc., UnitedHealthcare of the Mid-Atlantic, Inc., UnitedHealthcare of the Midlands, Inc., UnitedHealthcare of the Midwest, UnitedHealthcare of Mississippi, Inc., UnitedHealthcare of New England, Inc., UnitedHealthcare of New York, Inc., UnitedHealthcare of North Carolina, Inc., UnitedHealthcare of Ohio, Inc., UnitedHealthcare of Oklahoma, Inc., UnitedHealthcare of Pennsylvania, Inc. and UnitedHealthcare of Washington, Inc.