United HealthOne - Individual and Family Medical Plans Underwritten by Golden Rule Insurance Company

Going without Health Insurance can cost more than paying premiums. While you may be able to pay for doctor’s visits, prescriptions, and other routine medical expenses on your own, you may not be able to afford the high medical bills resulting from an accident or illness.

If you don't have major medical coverage to protect you from unexpected medical costs, you would be responsible for paying all of these medical bills on your own. Plus, being insured can protect your health.

Uninsureds can face serious health risks by delaying necessary medical treatments. This can result in even higher costs in the future if and when a medical condition worsened.

A Health Savings Account (HSA) Plan combines a lower cost plan with a tax-advantaged Health Savings Account. The premiums are lower because of a higher deductible.

You can make tax free deposits into your HSA account and use the money to pay your out of pocket expenses. This type of plan puts you in charge of your health care spending. The HSA funds can be used for medical expenses including dental, vision , prescriptions, gym memberships and more.

An HSA acts similar to the flexible spending accounts many have with their employer provided health plans or group plans as many call it, except the money is yours to keep. There is no "use it or lose it" feature.

when you apply for coverage, you select the date you would like the plan to become active. We recommend that you don't wait till the last minute. All health insurance applications are reviewed by the underwriting department and depending on your health history, the underwriting process can take anywhere from a day to weeks.