UnitedHealthcare offers plans both on and off the Health Insurance Marketplace (Exchange). This chapter applies to the plans we offer on the Health Insurance Marketplace for the states listed in the following table. Individual Exchange Benefit Plans are also referred to as Individual and Family Plans. Additional plans may be offered in Nevada (administered by Sierra/Health Plan of Nevada) and Colorado (administered by Rocky Mountain Health Plans). Those plans follow a separate administrative guide, as indicated in the Benefit plans not subject to this guidesection in Chapter 1: Introduction. Individual Exchange plans offered in New York (Compass) and Massachusetts (Navigate) will follow the commercial plan guidelines in this administrative guide.
What is the Individual Exchange?
The Patient Protection and Affordable Care Act (ACA) introduced a new option for consumers to access health insurance using a Health Insurance Marketplace, also known as an Exchange. These online marketplaces let consumers research, compare and enroll for health insurance plans offered by health insurers.