Discover UnitedHealthcare's top personal health insurance plans designed to offer comprehensive coverage for individuals and families. From Medicare to short-term plans, explore options that suit various healthcare needs, including dental, vision, critical illness, and bundled coverages. Ensure access to quality healthcare with flexible, affordable plans tailored to protect your financial well-being and health.

Explore Leading Personal Health Insurance Solutions from UnitedHealthcare

Access to reliable healthcare remains a top priority for many individuals and families. Despite advances in medicine, healthcare costs continue to climb, prompting many to allocate a portion of their income for coverage. When expenses become burdensome, purchasing health insurance offers an effective financial safeguard. Paying a regular premium provides policyholders with reimbursements or direct payments to healthcare providers, making medical costs more manageable.

Health insurance is essential for several reasons:

It is required by law under the Affordable Care Act (ACA).

It ensures quick access to healthcare during emergencies without delays or denials.

UnitedHealthcare provides a diverse selection of plans designed for individuals, families, and employer groups. When choosing a plan, consider the following:

Whether you prefer treatment from private physicians or a network of providers included in your plan.

The coverage scope and benefits—each plan varies in covered services and illnesses.

Premium costs alongside benefits such as doctor visits, preventive checkups, and wellness services.

If you can combine multiple plans to cover different health needs comprehensively.

Some popular individual plans from UnitedHealthcare include:

Medicare and Medicaid

Medicare supports senior citizens aged 65+ and individuals with disabilities, while Medicaid is a state-federal program assisting low-income families lacking private insurance.

Short-Term Insurance

Ideal for temporary coverage needs, these plans act as a bridge between longer-term policies or provide short-term protection. UnitedHealthcare’s short-term options are affordable, customizable, and available for periods up to 360 days in select locations.

ACA-Compliant Plans

Designed for those with pre-existing conditions, these plans cannot deny coverage based on health history. Premiums are determined by overall health risk, with benefits including maternity, preventive care, and medication coverage—often supplemented by subsidies or credits. Enrollment is typically open from November 1 to December 15 each year.

Critical Illness and Accident Coverage

Standard health plans may not cover critical illnesses or accidents. UnitedHealthcare’s critical illness policies provide a lump sum payment upon diagnosis, offering vital financial support during treatment. These payouts are non-taxable.

Dental and Vision Plans

Coverage options include preventive, basic, and emergency dental services, with direct payments to providers. Vision plans are also available to support eye health needs.

Combined Coverage Packages

To address various healthcare requirements, UnitedHealthcare offers bundled plans that combine different coverages for convenience. Examples include:

Short-Term Health + Dental Insurance

Fixed Indemnity + Dental Plans

Dental + Vision Packages

Accident + Dental Coverage