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A more economical way to help protect your health

Some people prefer to pay a higher deductible, knowing that subsequent covered expenses will be paid by their insurance plan.

With high deductible insurance plans from UnitedHealthcare's Golden Rule Insurance Company, underwriter of UnitedHealthOne plans:

  • Your deductible is higher than other insurance plans, but your premium is lower
  • You take responsibility for covering any minor or routine health care expenses until your calendar year deductible is met
  • Once you meet your deductible, your covered health care costs are paid by insurance*

A Golden Rule High Deductible Insurance plan may be right for you if you are:

  • Willing to pay for routine health care expenses in exchange for lower premiums
  • An early retiree needing a bridge to Medicare
  • Looking for protection from unexpected accidents or illnesses at a lower cost

Need health insurance for yourself or your family?

For costs, benefits, exclusions, limitations, eligibility and renewal terms, call 1-888-545-5205 or get a health insurance quote.

Want to learn more about our High Deductible Health Insurance?

Visit Golden Rule's High Deductible Health Insurance page.

View high deductible legal disclaimer

*Coinsurance may apply

Insurance and HMO plans are subject to health underwriting and product availability and insurance and HMO plan designs vary by state. Not available in all states.

Get a Health Insurance Quote

Health insurance designed with you in mind

We'll help you find health insurance that fits your budget.

A high deductible health insurance plan allows you to save money on your premiums while taking the responsibility for covering minor or routine out-of-pocket medical expenses.

Plus, you have the protection of comprehensive coverage in case of serious illness or injury.