Prescription Drug Lists (PDLs) for UnitedHealthcare Individual & Family ACA Marketplace plans
Effective January 1, 2025 & January 1, 2026
A Prescription Drug List (PDL) or a formulary is a list of medications or supplies covered by your plan. Medications are placed into tiers that represent the cost you pay out-of-pocket. The PDL includes information you need, like:
- If your medication is covered
- What tier your medication is considered under your plan
- If your medication has coverage rules or limits, like prior authorization, step therapy or quantity limits
Choose a medication in a lower tier for your lowest cost options. If your medication is in a higher tier, you may pay more. Ask your health care provider if a lower cost medication can work for your condition.
If your medication is not covered or has a coverage rule or limit, talk to your health care provider. They may be able to ask about a prior authorization or exception to get your medication covered or may switch you to a covered medication that can work for your condition.
When to use the Medication Search or PDF formats of the Prescription Drug list:
- Use the Medication Search for up-to-date coverage information. You can learn what tier your medication is on and which coverage rules or limits apply. We may also give you helpful tips about your medications that are not available in the PDF.
- Use the PDF format to learn about definitions or general information. It also includes a list of medications that are covered, but the Medication Search is a better tool to give you this information.
Managing your pharmacy benefits
If you're a member with an Individual & Family Marketplace ACA plan, explore these tips for using and managing your pharmacy benefits.
Your UnitedHealthcare Individual & Family plan covers certain medications at no cost to you when filled at a network pharmacy.
2026 Plan year
- Find your state on this page to get plan-specific details for zero cost-share medications for 2026
2026 Plan year
- Prescription Drug List
Medication Search | English - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
Zero Cost-Share Medications
2025 Plan year
- Prescription Drug List
Medication Search | English - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
2026 Plan year
- Prescription Drug List
Medication Search | English | Spanish - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
Zero Cost-Share Medications
Your UnitedHealthcare Individual & Family plan covers certain medications at no cost to you when filled at a network pharmacy.
2025 Plan year
- Prescription Drug List
Medication Search | English | Spanish - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
2026 Plan year
- Prescription Drug List
Medication Search | English | Spanish - Updates to the Prescription Drug List
- Get to know diabetes — Your pharmacy benefits
English
Zero Cost-Share Medications
Your UnitedHealthcare Individual & Family plan covers certain medications at no cost to you when filled at a network pharmacy.
2025 Plan year
- Prescription Drug List
Medication Search | English | Spanish - Updates to the Prescription Drug List
- Gender-Affirming Care Coverage Guide - Hormone Therapy Effective 1/1/25
English | Spanish - Get to know diabetes - Your pharmacy benefits
- English: Colorado Option plans | HSA plans | All other plans
- Spanish: Colorado Option plans | HSA plans | All other plans
2026 Plan year
- Prescription Drug List
Medication Search | English | Spanish - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
Zero Cost-Share Medications
Your UnitedHealthcare Individual & Family plan covers certain medications at no cost to you when filled at a network pharmacy.
2025 Plan year
- Prescription Drug List
Medication Search | English | Spanish - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
2026 Plan year
- Prescription Drug List
Medication Search | English - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
Zero Cost-Share Medications
2025 Plan year
- Prescription Drug List
Medication Search | English - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
2026 Plan year
- Prescription Drug List
Medication Search | English - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English
Zero Cost-Share Medications
2025 Plan year
- Prescription Drug List
Medication Search | English - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
2026 Plan year
- Prescription Drug List
Medication Search | English - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
Zero Cost-Share Medications
2025 Plan year
- Prescription Drug List
Medication Search | English - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
2026 Plan year
- Prescription Drug List
Medication Search | English - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
Zero Cost-Share Medications
2025 Plan year
- Prescription Drug List
Medication Search | English - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
2026 Plan year
- Prescription Drug List
Medication Search | English - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
Zero Cost-Share Medications
2025 Plan year
- Prescription Drug List
Medication Search | English - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
2026 Plan year
- Prescription Drug List
Medication Search | English - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
Zero Cost-Share Medications
2025 Plan year
- Prescription Drug List
Medication Search | English - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
2026 Plan year
- Prescription Drug List
Medication Search | English - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English
Zero Cost-Share Medications
2025 Plan year
- Prescription Drug List
Medication Search | English - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
2026 Plan year
- Prescription Drug List
Medication Search | English - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
Zero Cost-Share Medications
2025 Plan year
- Prescription Drug List
Medication Search | English - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
Opioid management
To direct your healthcare provider to not administer an opioid or not offer a prescription for an opioid, you may fill out this form from the Michigan Department of Health and Human Services.
2026 Plan year
- Prescription Drug List
Medication Search | English - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
Zero Cost-Share Medications
2025 Plan year
- Prescription Drug List
Medication Search | English - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
2026 Plan year
- Prescription Drug List
Medication Search | English - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
Zero Cost-Share Medications
2025 Plan year
- Prescription Drug List
Medication Search | English - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
2026 Plan year
- Prescription Drug List
Medication Search | English - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
Zero Cost-Share Medications
2025 Plan year
- Prescription Drug List
Medication Search | English - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
2025 Plan year
- Visit healthplanofnevada.com or sierrahealthandlife.com for plan specific prescription drug lists.
2026 Plan year
- Prescription Drug List
Medication Search | English | Spanish - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
Zero Cost-Share Medications
Your UnitedHealthcare Individual & Family plan covers certain medications at no cost to you when filled at a network pharmacy.
2025 Plan year
- Prescription Drug List
Medication Search | English | Spanish - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
2026 Plan year
- Prescription Drug List
Medication Search | English - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
Zero Cost-Share Medications
2025 Plan year
- Prescription Drug List
Medication Search | English - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
2026 Plan year
- Prescription Drug List
Medication Search | English - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English
Zero Cost-Share Medications
2025 Plan year
- All New York plans use the Advantage drug list.
2026 Plan year
- Prescription Drug List
Medication Search | English | Spanish - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
Zero Cost-Share Medications
Your UnitedHealthcare Individual & Family plan covers certain medications at no cost to you when filled at a network pharmacy.
2025 Plan year
- Prescription Drug List
Medication Search | English | Spanish - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
2026 Plan year
- Prescription Drug List
Medication Search | English - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
Zero Cost-Share Medications
2025 Plan year
- Prescription Drug List
Medication Search | English - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
2026 Plan year
- Prescription Drug List
Medication Search | English - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
Zero Cost-Share Medications
2025 Plan year
- Prescription Drug List
Medication Search | English - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
2026 Plan year
- Prescription Drug List
Medication Search | English - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
Zero Cost-Share Medications
2025 Plan year
- Prescription Drug List
Medication Search | English - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
2026 Plan year
- Prescription Drug List
Medication Search | English - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
Zero Cost-Share Medications
2025 Plan year
- Prescription Drug List
Medication Search | English - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
2026 Plan year
Zero Cost-Share Medications
Your UnitedHealthcare Individual & Family plan covers certain medications at no cost to you when filled at a network pharmacy.
2025 Plan year
- Prescription Drug List
Medication Search | English | Spanish - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
2026 Plan year
- Prescription Drug List
Medication Search | English | Spanish - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
Zero Cost-Share Medications
Your UnitedHealthcare Individual & Family plan covers certain medications at no cost to you when filled at a network pharmacy.
2025 Plan year
- Prescription Drug List
Medication Search | English | Spanish - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
2026 Plan year
- Prescription Drug List
Medication Search | English | Spanish - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
Zero Cost-Share Medications
Your UnitedHealthcare Individual & Family plan covers certain medications at no cost to you when filled at a network pharmacy.
2025 Plan year
- Prescription Drug List
Medication Search | English | Spanish - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
2026 Plan year
- Prescription Drug List
Medication Search | English - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
Zero Cost-Share Medications
2025 Plan year
- Prescription Drug List
Medication Search | English - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
2026 Plan year
- Prescription Drug List
Medication Search | English - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
Zero Cost-Share Medications
2025 Plan year
- Prescription Drug List
Medication Search | English - Updates to the Prescription Drug List
- Get to know diabetes - Your pharmacy benefits
English | Spanish
Opioid management
Applies to all states except MA, NV, and NY.
Need help in another language?
- Visit language assistance resources for help in different languages.
- Para servicio al cliente en español, por favor llame al 1-800-985-3859, TTY 711, o visite la página de asistencia de recursos de idiomas
- 語言協助 / 不歧視通知
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