Blog Layout

UnitedHealthcare Individual Health Insurance Explained

October 16, 2024

With the largest market share in the country, as reported by the American Medical Association, UnitedHealthcare is a prominent name among Arizona insurers. Many residents are familiar with UnitedHealthcare, especially since it’s one of the top health insurance choices for employers to offer for group health insurance, as well.

Woman reading ipad

If you’re an individual in need of health insurance coverage, and you’re not getting coverage through your work, you may be wondering about your options and whether or not UnitedHealthcare is a good fit for you. UnitedHealthcare has options for individuals who are between jobs, who just turned 26 and need short-term insurance while they look for a permanent option, who are self-employed and need health insurance, and who are looking for alternatives to the health insurance their employer offers.


For individuals, UnitedHealthcare offers some diverse product offerings that could be of interest. In this article, learn about what UnitedHealthcare individual products are available to decide if one or more could be the right fit for your individual health insurance choice.

Key Takeaways


  • UnitedHealthcare offers a variety of individual insurance products to choose from, including private health insurance in Arizona, individual Affordable Care Act (ACA) Marketplace plans, hospitals and doctor insurance, hospital indemnity insurance and other types. 
  • UnitedHealthcare also offers individual dental insurance products and individual vision insurance products for Arizona residents.
  • To talk through all your individual health insurance options, including with UnitedHealthcare, schedule a free consultation with an Arizona health insurance broker.

Arizona Health Insurance Products Offered by

UnitedHealthcare


Private Health Insurance in Arizona


UnitedHealthcare offers budget-friendly private healthcare coverage options, with monthly payment plans. These can be a good option if you’re searching for permanent individual health insurance and need coverage while you search. Private health insurance plans are generally a good fit for people that are relatively healthy and do not qualify for discounts based on income. 


Individual & Family ACA Marketplace Plans

UnitedHealthcare offers individual and family health insurance plans on the ACA Marketplace. These plans are classified into five plan categories, each of which have different levels that explain cost division between the planholder and UnitedHealthcare. These plans include: 


  • Essential: These would be the lowest cost option that United offers on the marketplace. Care that is needed would apply towards the deductible. This could be a good fit for someone that rarely goes to the dr and wants catastrophic coverage in the event of a major accident or sickness. Available on bronze metal tier. 
  • Value: This plan isn’t as low-cost as Essential, but it’s close. It offers copays for primary care, specialists, labwork, and urgent care  visits, and there is a Health Savings Account (HSA) option. Like our other plans, this plan also has the option for virtual care. Value plans are available at the Bronze, Silver and Gold metal levels. plans with additional benefits, including $0 doctor visits. This is one of the more popular plans when you factor in monthly pricing and the co pays. 
  • Advantage: low-deductible plans with adult dental and vision benefits
  • Copay focus: low medical deductible plans with flat copays for most services until out of pocket maximum are met. Copay Focus plans are available at the Bronze, Silver and Gold metal levels. If you’re willing to pay a little more each month in order to pay lower, defined copays when you get care.
A graph showing the cost to you based on plan choice

Individuals can sign up for UnitedHealthcare ACA plans with no restrictions for pre-existing conditions. ACA health insurance enrollment typically begins November 1 each year and lasts until January 15 the following year. Certain qualifying events, such as divorce or loss of insurance through work, can also trigger special enrollment periods. 


UnitedHealthcare's Hospital Network in Arizona

A map of the state of arizona with blue borders

When considering a UnitedHealthcare individual health insurance plan, it's essential to understand their hospital network in Arizona. For 2025, there's a notable change: UHC is no longer contracted with HonorHealth on marketplace plans.


Here's a breakdown of UHC's hospital network by county:


Maricopa County: Abrazo Health, Banner Health, Steward, Valleywise, Adelante Healthcare, Native Health, Valle del Sol, Wesley Community & Health Centers.


Pinal County: Banner Health, Steward, Gila River Healthcare


Gila County: Banner Health, Cobre Valley Regional Medical Center, New Pioneer Medical Associates, ABC’s Pediatrics


Pima County: Carondelet Health Network, Banner Health, Northwest Healthcare, El Rio Health


Mohave County: Kingman Regional Medical Center, Western Arizona Regional Medical Center, North Country Healthcare


La Paz County: La Paz Regional Hospital


To confirm if your preferred hospitals and doctors are in-network, use the following resource:


UHC Provider Lookup Tool: 

https://www.uhc.com/lp/aca-marketplace/gt-az


UnitedHealthcare's Prescription Drug Coverage (Formulary)


Understanding which medications are covered by your health insurance plan is crucial. You can access UnitedHealthcare's formulary (list of covered drugs) through the following link:


UHC Formulary:


2025 UHC Marketplace plan details coming soon….. 


Hospital & Doctor Insurance


UnitedHealthcare provides Health ProtectorGuard fixed indemnity insurance to supplement a major medical plan. The program, underwritten by Golden Rule Insurance Company, pays cash for eligible, covered medical services, such as a surgical procedure, a trip to urgent care or a doctor visit. It also offers money to pay for expenses not covered by major medical plans, such as a deductible.


Dental Insurance


You can get coverage for dental services medical insurance plans don’t include, with no age limit restrictions, through a dental insurance plan provided by UnitedHealthcare, underwritten by Golden Rule Insurance Company. 


Vision Insurance


You can also get vision insurance for services not covered by medical insurance plans. These are also underwritten by Golden Rule Insurance Company and have no age restrictions.


Accident & Critical Illness Insurance


These supplemental insurance plans offer financial coverage for expenses related to accidental injury and treatment, heart-related illness, cancer and other critical illnesses.


How to Get Individual Insurance Coverage Through UnitedHealthcare


If you’re interested in using UnitedHealthcare as your Arizona individual insurance provider for short-term insurance, ACA coverage or another type of insurance plan, contact AZ Health Insurance Brokers. We can help you secure individual health insurance that fits your unique individual needs and budget. 


Email quotes@azhealthinsurance.com, call 602.617.4107 or contact us online, and we’ll be in touch.

UnitedHealthcare Individual Insurance FAQs

  • What individual health insurance plans does UnitedHealthcare offer in Arizona?

    In Arizona, individuals can get short-term health insurance, ACA Marketplace insurance, hospital and doctor insurance, dental insurance, vision insurance, accident insurance and critical illness insurance coverage through UnitedHealthcare.

  • What types of ACA Marketplace plans does UnitedHealthcare offer?

    UnitedHealthcare’s ACA Marketplace plans include Essential, Virtual Plans, Value, Advantage and Copay Focus plans. Each category includes “metal” levels (bronze, silver and gold, for example) that explain how expenses are divided between UnitedHealthcare and the planholder.

  • What do short-term insurance plans from UnitedHealthcare include?

    UnitedHealthcare short-term insurance plans offer benefits with limited coverage for a limited time. These types of plans are ideal for candidates who are experiencing a gap in healthcare coverage, such as when you’re in-between jobs, or you’re waiting for permanent healthcare coverage to begin. 

  • What are the benefits of an ACA Marketplace plan through UnitedHealthcare?

    An ACA Marketplace plan through UnitedHealthcare may make sense if you qualify for a government subsidy or premium tax credit based on income. For individuals with pre-existing conditions, ACA Marketplace plans may also be a good option, because you won’t be denied for a plan because of a pre-existing condition.  

  • Why should you consider UnitedHealthcare for individual insurance?

    As one of the largest health insurance providers in the United States, UnitedHealthcare has a strong provider network and numerous resources for members. UnitedHealthcare is a popular insurance option in Arizona because of its coverage options, but plans may also be more expensive compared to insurance plans offered by other brands, depending on your healthcare needs.

~
Two women are shaking hands in an office.

PEOs for Businesses: What Is a PEO? Should Your Business Use a PEO?

January 28, 2025
Learn the pros and cons of PEOs. Learn when it’s time to exit a PEO, how to get affordable group insurance for your business, and how to optimize costs.
Three women are sitting on a couch with laptops and papers.

The Complete Guide to Buying Group Health Insurance in Arizona

January 23, 2025
If you want to offer group health insurance for employees at your business, read this guide. Learn how to get health insurance for workers in Arizona.
A woman wearing glasses is smiling in front of a whiteboard.

What Is Self Funded Insurance for Businesses?

January 23, 2025
What is self funded health insurance for businesses? Learn how self-funded group health insurance works and if it could be good for your business.
A woman in a blue sweater is listening to music on her phone.

UnitedHealthcare’s Surest Insurance: What Is Surest Insurance? Is Surest Insurance Good for Healthcare?

January 16, 2025
Is Surest insurance a good health plan? Learn about this health insurance product, with no deductibles and transparency into healthcare providers and pricing.
business partners posing

HRA 105 Plans: What They Are & How They Can Benefit Your Business

January 15, 2025
You could save on business taxes with an HRA 105 plan. Learn the answer to what is an HRA 105 plan, HRA 105 plan benefits and more.
A group of people are standing next to each other in front of a blackboard.

Third-Party Administrators in the Medical Insurance World Explained

January 7, 2025
What is a TPA, short for third-party administrator, in health insurance? Learn about the advantages and disadvantages of a TPA in medical insurance.
a man and a woman are standing next to each other in front of a window .

Arizona Health Insurance Tips: 3 Common Mistakes at Renewal Time

January 6, 2025
Learn three common mistakes business owners make when renewing health insurance in Arizona. Need AZ health insurance? Contact us for a free consultation.
insurance agent working with client with insurance

Why You Should Partner with a Benefits Firm for Employee Group Health Insurance

December 30, 2024
Want to get health insurance for your business? Learn 4 reasons why working with a brokerage firm for business health insurance can set you up for success.
a woman is sitting on a couch in front of an apple laptop

Health Insurance Guide for Self-Employed, 1099 Contractors & Freelancers

December 19, 2024
Learn health insurance options for self-employed contractors, freelancers and business owners. Get info on COBRA, private plans, ACA and group health.
A woman is holding a laptop computer in her hands and smiling.

Antidote Individual & Family Health Insurance: New in Arizona

December 11, 2024
Some Arizona residents can choose Antidote for individual/family health insurance in Affordable Care Act (ACA) Marketplace open enrollment. Learn more.
More Posts
Share by: