The Best Fit for You

Find a health insurance plan best suited to your needs in an instant. For ACA plans, call 1-800-273-8115.

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Health Insurance Plans Made Simple

Family and individual health insurance is probably one of the most complicated and important purchases you’ll make. We offer three types of health insurance plans. Each comes with different deductible and premium amounts to help you get coverage that meets your health care needs as well as your budget.

The Advantages of Your Own Health Plan

  • Fitted – You can select a plan that's a good fit for your specific health concerns or tight budget.
  • Portable1 – You can base your job decisions on your career goals, not the benefits offered.
  • Stable – If your job changes, you keep your plan and any deductible you’ve paid.

Health Savings Accounts

Save money on premiums and enjoy quality health coverage. Pair with a tax advantaged HSA account with no use-it-or-lose-it deadlines.

What is an HSA?

Paired with an eligible health insurance plan, a Health Savings Account (HSA) is a tax-advantaged savings account that allows you to pay for qualified medical expenses tax-free. HSA's increase your health insurance buying power four-fold:

  • HSA savings grow tax deferred – You can use them for qualified health care expenses or for retirement after age 65.
  • HSA savings are never taxed – When used for qualified medical expenses, your HSA savings are not taxed.
  • Lower your taxable income – Deposits to an HSA, within legal limits, are deductible off of federal gross income.
  • Lower your premiums – Health insurance plans with an HSA often cost less than most copay plans.

How do health savings accounts work?

In order to use your Health Savings Account funds tax-free, you must first establish your HSA account before you incur qualified medical expenses.2 Otherwise, the expenses will not qualify for tax purposes.

What are HSA qualified medical expenses?

The IRS determines what medical expenses are qualified for tax purposes. These can change at any time. But generally, services or items purchased to help ease or prevent a physical or mental defect or illness constitute a “qualified” medical expense.2

IRS publication 502 provides a comprehensive list of all current qualified expenses. But, please always consult your tax advisor should you require specific tax advice.

You should know that if you withdraw funds for non-qualified health care costs, they will be taxed at your income tax rate. Plus, you’ll incur a 20% tax penalty if you’re less than 65 years old.

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Learn more about HSA plans...

Copay Plans

Our popular Copay plans make paying for health care easier to budget for. You know up front what you’ll pay for a specific covered health care service.

What are Copay plans anyway?

Copay plans are similar to many employer-provided plans. Each comes with a set copayment for routine health care expenses; then we take care of the rest.

Who benefits from Copay insurance plans?

  • Anyone who visits the doctor frequently
  • Families with children
  • Anyone who prefers the simplicity of copayment for minor or routine health care expenses

What are my Copay plan options?

All Copay plans come with a prescription benefit and a wide range of deductibles and copay options to help you meet your health care needs and budget.

Learn more about Copay plans...

Catastrophic Plans

Catastrophic plans help when the “worst” happens. Simply meet your deductible, and the plan pays a preset percentage of covered expenses.

Is a Catastrophic plan for me?

  • You don’t go to the doctor often
  • You can pay for minor health care expenses out-of-pocket
  • You want to save on monthly premiums

How do I qualify?

  1. You’re under age 30.


  2. You’ve completed a Hardship Exemption Application to find out if you’re eligible, including whether minimal essential coverage is affordable.

What are the advantages of a Catastrophic plan?

Catastrophic Plan Advantages:

Lowest premiums of our plans.

Access to the UnitedHealthcare Network and its discounts.

Simple design: Meet your deductible and the plan pays a percentage of covered expenses.

Three in-network primary care doctor office visits (per covered person, per calendar year) for history and exam with a copay.

Learn more about Catastrophic plans...

Prescription Drug Coverage

Health insurance plans now offer prescription benefits that complement your plan coverage as well as your health care needs and budget.

What do I need to know?

Pharmacy Basic Facts

Pharmacy Benefit Basics

When considering a health insurance plan and out-of-pocket costs for prescription drugs, you should know about:

  • Tier Pricing: (Copay plans only.) Each medication is placed in a tier, a numbered level. There is a set copay for drugs in each tier.
  • Deductible: With some of our plans prescription drugs count toward the plan deductible. Once you meet the deductible, the plan starts paying for covered expenses, including prescription drugs.
  • Coinsurance: For lower premiums, some plans include a coinsurance amount (a percentage of the cost you pay) for drugs once the plan deductible is satisfied.
  • Mental Health: Prescription drugs for mental disorders or substance abuse are not covered unless you select the Optional Mental Disorders and Substance Abuse benefit or coverage is mandated by your state. This includes prescription drugs for ADD, ADHD, anxiety, depression and others.

How do I get pharmacy information for my plan?

For pharmacy information, select the applicable link below. Existing members, please reference your ID card for your effective date and insurance company name.

Prescription Drug Card

Golden Rule Insurance Company

Use this link if:

  • You are an existing Golden Rule Insurance Company member and received notice that your current Affordable Care Act (ACA) plan will be modified in 2016 (CT, DE, KY, NV and VA residents) or you are transitioning to an ACA plan in 2016 (CO residents).
  • You are a shopper seeking Short Term coverage.

UnitedHealthcare Life Insurance Company

Use this link if:

  • You are an existing UnitedHealthcare Life Insurance Company member (effective 1-1-2014 or later) and received notice that your Affordable Care Act (ACA) plan will be modified in 2016.
  • You are a shopper seeking an ACA plan.


Use this link if:

  • You are an existing UnitedHealthcare Life Insurance Company member (effective 1-1-2014 or later) or an existing Golden Rule Insurance Company member and you want to manage your current prescription drug benefits.

Important Notice

Use this link if:

  • You are an existing UnitedHealthcare Life Insurance Company (previously American Medical Security Life Insurance Company) member and your coverage was effective prior to 1-1-2014.
Learn more about Prescription coverage...

7 Steps to Shopping Smarter, Shopping Better

  1. Determine what type of plan you want
  2. Shop for plans from reputable companies
  3. Confirm what plans are available in your state
  4. Learn what payments you’re responsible for
  5. Identify what’s covered and what’s not
  6. Find out if your doctor is in network
  7. Figure out your health care budget

For costs, benefits, exclusions, limitations, eligibility, and renewal terms, call a licensed Product Advisor to discuss your health insurance options.

1 The move must be within state/service area.

2 Qualified medical expenses may not be covered under your plan.