Home About Us Health Plans Find a Doctor Customers Brokers Newsroom Contact Us

Deductible Credit

Deductible Credit can help you reduce your future out-of-pocket expenses by lowering your deductible. If you don't meet your per-person calendar-year network deductible, the Deductible Credit applies to the next year's network deductible starting with a 20% savings after the first year!

How it works:

• A 20% reduction is applied to your deductible each year you do not satisfy your prior year deductible.
• Credit can accumulate until the deductible is reduced by 50%.
• If the reduced deductible is met, then the plan deductible is reset to its original amount the following year and the deductible credit can be earned again.

This allows the freedom to select a higher deductible, lower premium plan - helping you save even more by reducing your out-of-pocket expenses when they earn their deductible credit.



All our renewable plans offer the Deductible Credit benefit for any deductible amount. So take advantage! Watch your deductible diminish over time. Let a UnitedHealthOne plan with the Deductible Credit benefit reward you for being healthy and not meeting your yearly deductible.

Health Savings Account plans cannot reduce their deductible below the minimum required by law to maintain tax-qualified status of the insurance plan. In 2011, a family HSA plan's lowest deductible required is $2,400 and an individual lowest required deductible is $1,200. The optional Continuity rider will include the Deductible Credit benefit only when a covered person is "active."

¹ UnitedHealth Group Annual Form 10-K for year ending 12/31/10. * Each qualified covered person not meeting the plan's chosen network deductible for the years shown. Must be a covered person and in active status for six consecutive months. For family HSA plans, when combined per family deductible is not met. For costs, benefits, exclusions, limitations, eligibility, and renewal terms, call a licensed advisor to discuss your health insurance options at (800) 444-8990.