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Why Choose Us

Reasons why you should choose a UnitedHealthOneSM Health Insurance Plan


Nearly 29 million Americans entrust UnitedHealthcare with their health care coverage.1 UnitedHealthOneSM health insurance plans use the UnitedHealthcare network, which can ease access to care from physicians and hospitals. UnitedHealthcare has decades of experience serving customers with a variety of needs, including employers and individuals and families buying their own health coverage.


As part of the UnitedHealthcare family and underwriters of UnitedHealthOneSM plans, UnitedHealthcare Life Insurance Company and Golden Rule Insurance Company have driven the development of innovative health insurance products. For nearly 70 years, Golden Rule has served individuals and families purchasing their own health insurance. As a result, we understand the unique needs of individuals, like you, shopping for personal health insurance.

UnitedHealthcare Life Insurance Company is rated “A” (Excellent) by A.M. Best (12-11-14). This worldwide, independent organization reviews insurance companies and other businesses and publishes opinions about them. This rating is an indication of our financial strength and stability.


We recognize that you want to get the most out of your health care dollars. Our customers benefit from discounts on covered health care services. Our goal for every customer is an insurance plan at a price that fits his or her needs and budget.

Outstanding Claims Service

We recognize the importance of being responsive to the service needs of our customers. That’s why 94% of all health claims are processed within 12 working days or less.2

Preventive Care is Covered 100%

For UnitedHealthOne℠ Affordable Care Act (ACA) health plans, you don’t need to meet your deductible before certain preventive care benefits are covered. Nor do they require coinsurance or copayments as long as these services are provided by an in-network doctor.
Learn more about what is included in Preventive Care.

UnitedHealthcare Network

With UnitedHealthOne℠ ACA health insurance plans, customers gain access to the UnitedHeatlhcare network, whose providers have agreed to lower fees for covered expenses. Our short term health plans provide customers access to the nationwide UnitedHealthcare network. That means if you have an emergency when traveling, it’s likely an in-network physician or hospital is nearby with a short term health plan.

Coverage For All

With Health Care Reform, ACA health insurance plans are now guaranteed issue. Guaranteed issue coverage means any applicant is eligible for health coverage no matter what their health status is or if they have a preexisting condition.
1 UnitedHealth Group Annual Form 10-K for year ending 12/31/2014. 2 Actual 2014 results. For costs, benefits, exclusions, limitations, eligibility, and renewal terms, call a licensed Product Advisor to discuss your health insurance options at (800) 444-8990.