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.

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.

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:

Standard: These plans offer a good balance of coverage and affordability. You'll have copays for PCPs, specialists, and urgent care, while other expenses are subject to your deductible and out-of-pocket maximum.

UHC Standard Gold, Silver, & Bronze

	Deductible	OOP Max	PCP Co Pay	Spec Co Pay
Gold	$1500	$7800	$30	$60
Silver	$5000	$8000	$40	$80
Bronze	$7500	$9200	$50	$100

Essential: This is the most affordable option, with all medical expenses applying towards the deductible. It's a good fit for those who rarely need medical care and want catastrophic coverage for major accidents or illnesses.

UHC X Essential

	Deductible	OOP Max	Coinsurnace	PCP Co Pay	Spec Co Pay
Bronze	$9100	$9100	100%/0%	0%	0%

Value: This is one of the more popular plans when you factor in monthly pricing and the co pays. This plan offers a balance of affordability and benefits, with copays for primary care, specialists, lab work, and urgent care. It also includes a Health Savings Account (HSA) option. Silver and Gold Value plans are available off-exchange only.

UHC Value

	Deductible	OOP Max	Coinsurnace	PCP Co Pay	Spec Co Pay
Gold	$3,300	$4,000	Only available off exchange.	Only available off exchange.	Only available off exchange.
Silver	$3,500	$7,500	Only available off exchange.	Only available off exchange.	Only available off exchange.
Bronze	$8,500	$9,200	60%/40%	$20	$135

Advantage: These plans offer low deductibles and include adult dental and vision benefits. After you meet the deductible, copays continue to apply towards the out-of-pocket maximum.

UHC Advantage Gold & Silver

	Deductible	OOP Max	Coinsurnace	PCP Co Pay	Spec Co Pay
Gold	$1000	$7000	Co Pay	$5	$60
Silver	$4000	$9200	Co Pay	$10	$80

Copay focus: These plans have low deductibles and flat copays for most services until you reach the out-of-pocket maximum. They're a good option if you prefer predictable copays and are willing to pay a slightly higher monthly premium.

UHC Copay Focus Gold, Silver, & Bronze

	Deductible	OOP Max	Coinsurnace	PCP Co Pay	Spec Co Pay
Gold	$0	$7,000	Co Pay	$10	$50
Silver	$0	$9,200	Co Pay	$20	$80
Bronze	$0	$9,200	Co Pay	$40	$130

**Remember:** These are just highlights. Review the full plan details on the UHC website and consider your individual needs and budget before making a decision.

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.

Get a Free Quote for UHC Plans

A graph showing the cost to you based on plan choice

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:

A map of the state of arizona with blue borders

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: https://welcome.optumrx.com/rxexternal/external-prescription-drug-list?type=ClientFormulary&var=GPX524AV&infoid=GPX524AV&page=insert&par=

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 info@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.