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Personalized Quotes

Get a quote! It’s the quickest way to learn about your plan options. For insurance coverage choices or New Jersey Affordable Care Act health plans, call 1-800-273-8115.

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Shop for Insurance

If you’re looking to buy health insurance, our insurance plans underwritten by Golden Rule Insurance Company or UnitedHealthcare Life Insurance Company offer you a broad range of coverage, deductibles, supplements and optional benefits – each with its own particular advantages. Our goal is to provide you with comprehensive and personal health plan choices that fit your needs and budget.

Short Term Health Insurance

Need temporary health insurance8 because you’re between jobs, you just graduated or rolled off your parent’s insurance or you just missed Open Enrollment? For these and a number of other reasons, a Short Term health insurance plan may be perfect for you.

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Health Insurance Plans

From copay plans to catastrophic plans, we offer options so you can find the right medical insurance for you right now. And paired with a tax-advantaged Health Savings Account (HSA), our plans can help you manage your health care costs, too!

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Dental Insurance

Round out your health insurance coverage with dental insurance! With no age restrictions,1 our dental plans can include preventive care, basic services, and major services depending on your dental needs.

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Vision Insurance

For even more comprehensive coverage, in some states you can add vision insurance to help with the costs of routine eye exams and prescription eyewear (available standalone or as a rider to a dental insurance plan).2

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Hospital & Doctor Fixed Indemnity

Bridge gaps in your medical coverage. Supplement your health insurance plan with hospital and doctor fixed indemnity insurance3 that pays you set cash amounts for qualified medical expenses. Use it to help pay a deductible, apply toward prescription costs or even just pay your bills.

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Supplemental Coverage

Supplemental coverage can help both you and your finances if unexpected accidents, critical illness or hospitalization lead to a loss of income or increased medical costs.

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Additional Plans

If you have other insurance needs, you can check out a variety of plans from other carriers covering auto, home, travel medical expenses, trip cancellation, pets and more.

Explore Additional Plans from Other Carriers

Prescription Drug Coverage

If you’re worried about the cost of prescription drugs and take medication regularly, then choosing optional prescription benefits10 to complement your health insurance is something to consider. Learn more about prescription coverage.

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Explore Your Options

We offer a variety of insurance plans, optional benefits and riders. These vary by state. Find out which ones are available where you live.

Explore Plans by State

8 Short term plans are medically underwritten. This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to check your policy/certificate carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventive care, prescription drugs, and mental health and substance use disorder services). Your policy/certificate might also have lifetime and/or annual dollar limits on health benefits. If this coverage expires or you lose eligibility for this coverage, you might have to wait until an open enrollment period to get other health insurance coverage. This is not Minimum Essential coverage as defined in the Affordable Care Act and may not cover all Essential Health Benefits in your state. Some Short Term plans are available as association group insurance only to members of FACT, an independent association. Additional membership fees may be required.

9 Primary insured must be 18 years of age or older.

1 Optional benefits require an additional premium cost. Products vary by state.

2 This is a supplement to health insurance and is not a substitute for the minimum essential coverage required by the Affordable Care Act (ACA). Lack of major medical coverage (or other minimum essential coverage) may result in an additional payment with your taxes.

3 Ratings as of 12/18/2019. This worldwide, independent organization reviews insurance companies and other businesses and publishes opinions about them. This rating is an indication of financial strength and stability. For the latest rating, access


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